Cambodia’s healthcare system has made a lot of improvements in recent years, catering to a diverse population of locals, expatriates, and visitors. With a mix of public and private facilities, the system offers accessible and increasingly reliable care, particularly in urban hubs like Phnom Penh and Siem Reap. In this guide, realestate.com.kh aims to provide a friendly and comprehensive overview of Cambodia’s healthcare landscape, including a list of hospitals, including those specializing in dental and eye care as well!Overview of Cambodia’s Healthcare SystemCambodia’s healthcare system operates through a combination of public and private sectors, each offering services to meet varying needs. The public sector, overseen by the Ministry of Health, provides affordable care and is an important resource for many Cambodians, with programs like the Health Equity Fund (HEF) ensuring free or low-cost services for around 20% of the population. (Source: Techo Santepheap National Hospital's Facebook Page)The private sector, which accounts for a significant portion of healthcare services, is popular among expats and locals seeking modern facilities, shorter wait times, and English-speaking staff. Private hospitals in urban areas are equipped with advanced technology and cater to a wide range of medical needs, from general check-ups to specialized treatments. While private care is more expensive, it’s a preferred option for those prioritizing convenience and quality, and many expats find that health insurance makes it accessible and cost-effective.Common health considerations include staying up-to-date on vaccinations (e.g., hepatitis, typhoid, rabies) and taking precautions against tropical illnesses like dengue or diarrhea, especially in rural areas. Practical Tips for Navigating HealthcareHealth Insurance: Expats should consider international health insurance for access to private care and evacuation coverage. Plans typically range from $80-$241/month.Language Support: Both private and public hospitals usually offer English-speaking staff. Pharmacies: Stick to trusted pharmacies to ensure medication quality or buy the medication directly from the hospital as well. Emergency Contacts: Keep private hospital numbers handy, as public emergency services may have slower response times.Expat Communities: You can also connect with expat groups for recommendations on trusted providers.Hospital Choices in CambodiaBelow is a compiled list of hospitals in Cambodia, categorized by public, private, maternity, dental, and eye care facilities, as well as mental Health and wellbeing clinics as well. Disclaimer: This compiled list does not include all hospitals or clinics in Cambodia and mainly focuses on selected facilities in Phnom Penh. It is intended for general informational purposes only and should not be interpreted as a ranking or endorsement of quality. The inclusion of a hospital or clinic does not necessarily reflect its medical superiority; readers are encouraged to conduct their research or consult professionals when seeking care.Public HospitalsCalmette HospitalAddress: No.3, Monivong Bvld, Sangkat Sras Chok, Khan Daun Penh, Phnom PenhTelephone: +855 23 426 948Khmer Soviet Friendship HospitalAddress: Yothapol Khemarak Phomin (St. 271), Phnom PenhTelephone: +855 23 217 524; +855 23 217 764National Pediatric HospitalAddress: #100, Confederation de la Russie, Khan Toul Kork, Phnom PenhTelephone: +855 23 430 183Preah Ang Duong HospitalAddress: No. 118, Corner Norodom Blvd (41) and Kro Muon Sor (114), Phnom PenhTelephone: +855 23 218 875Techo Santepheap National HospitalAddress: JRC6+JR Win Win Blvd, Phnom PenhTelephone: +855 87 781 119Kantha Bopha Children’s HospitalKantha Bopha I: Oknha Hing Penn (St. 61), corner of Phsar Dek (St. 88), Phnom PenhKantha Bopha II: Oknha Chun (St. 240), Kantha Bopha I Children's Hospital Annex, Phnom PenhKantha Bopha IV & V: 90 Chivapol (St. 90), near Street 47, Phnom PenhTelephone: +855 23 428 009(Siem Reap Branch)Jayavarman VII Children’s Hospital: Charles de Gaulle (St.), Trapeang Ses Village, Sangkat Kork Chak, Siem Reap CityTelephone: +855 63 964 803Cambodia-China Friendship Preah Kossamak HospitalAddress: No. 188, Street 271, Teuk Laak II Commune, Tuol Kok District, Phnom PenhTelephone: +855 23 883 047, +855 23 882 947, +855 89 761 767Private HospitalsPrivate hospitals offer modern facilities, English-speaking staff, and a wide range of services, making them ideal for expats and locals seeking quality care.Sen Sok International University HospitalAddress: Building 91-96, Street 1986, Sangkat Phnom Penh Thmei, Khan Sen Sok, Phnom PenhTelephone: +855 98 729 307 (English); +855 17 575 593 (Khmer)Cho Ray Phnom Penh HospitalAddress: National Road No. 1, Ta Ngov Village, Phnom PenhTelephone: +855 23 684 1001Raffles Medical Phnom PenhAddress: #161, Street 51 (Pasteur), Sangkat Boeung Raing, Khan Daun Penh 12211, Phnom PenhTelephone: +855 23 216 911Sunrise Japan Hospital Phnom PenhAddress: #177E, Kola Loum Street (the Bay Road), Group 2, Phum 2, Sangkat Chroy Changvar, Phnom PenhTelephone: +855 23 260 152; +855 78 260 152Khema Clinic and MaternityAddress 1: # 18, Street 528, Toul Kork, Phnom PenhAddress 2: 28 Oknha Chrun You Hak St. (294), Phnom PenhTelephone: +855 23 880 949Central HospitalAddress: No. 82A. Street 154, Phnom PenhTelephone: +855 23 214955; +855 23 214966Naga ClinicAddress: No. 11 Street 254 PO Box 1155, Phnom PenhTelephone: +855 23 211 300; +855 11811 175Royal Angkor International HospitalAddress:  National Route 6, Phum Rasekam, Khum Sra Ngea, Siem ReapTelephone: +855 63 761 888Royal Phnom Penh HospitalAddress: No. 888, Russian Confederation Blvd. Sangkat Toeuk Thla, Khan Sen Sok, Phnom PenhTelephone: +855 23 991 000; +855 12 991 000Maternity Hospitals and ClinicsKhema Clinic and MaternityAddress 1: # 18, Street 528, Toul Kork, Phnom PenhAddress 2: 28 Oknha Chrun You Hak St. (294), Phnom PenhTelephone: +855 23 880 949Orienda International Hospital Address: #66, Street 31cc, Steung Meanchey, Khan Mean Chey, Phnom PenhTelephone: +855 81 811 789, +855 78 233 789, +855 96 6233 789Intercare Hospital Address: Olympia Medical Hub, St 161, Veal Vong, 7 Makara, Phnom PenhTelephone: +855 23 996 900 / +855 69 822 889Domrey Mother & Child Clinic​Address: No. 19C, St 1986, Phnom Penh Thmey, Khan Sen Sok, Phnom PenhTelephone: +855 23 902 279, +855 92 377 000, +855 93 377 000Orchid Koh Pich HospitalAddress: No. 93, Koh Pich Elysee, Sangkat Tonle Bassac, Phnom PenhTelephone: +855 23 231 827, +855 12 322 025Julie Chetra Maternity ClinicAddress: 80–82, Street 566, Boeung Kak II, Tuol Kork, Phnom PenhTelephone: +855 11 506 090 Dental Hospitals and ClinicsRoomchang Dental HospitalAddress: #4, St 184, Daun Penh, Phnom Penh Telephone: +855 23 211 338Santepheap International Dental ClinicAddress: #1, St 360, BKK 1 (near Noro Mall), Phnom PenhTelephone: +855 99 989 568 / +855 10 892 356Bright Smile Dental HospitalAddress: #101AEo, St 108, Wat Phnom, Daun PenhTelephone: +855 23 217 578 / +855 12 555 471Pachem Dental ClinicAddress: #170ABC, Norodom Blvd (north Chamkarmorn), Phnom PenhTelephone: +855 23 996 888 / 017 300 300Master Care Dental ClinicAddress: #691, Monivong Blvd, BKK III, ChamkarmonTelephone: +855 23 993 936 / +855 16 820 081Real Teeth Dental Clinic (Pasteur)Address: Rue Pasteur 51, Phnom PenhTelephone: +855 15 485 891Amret Dental ClinicAddress: #97A, St 143 corner St 292, Phnom PenhTelephone: +855 23 555 5300Khemara Dental ClinicsAddress: #114, Sothearos Blvd (St 3), Daun PenhTelephone: +855 23 225 999Eye Hospitals and Clinics Preah Ang Duong HospitalAddress: No. 118, Corner Norodom Blvd (41) and Kro Muon Sor (114), Phnom PenhTelephone: +855 23 218 875Meng Rutnin Eye SpecialistAddress: No 25, St 115, Boeung Prolit, 7 Makara, Phnom PenhTelephone: +855 23 216 6Angkor Ratanak Eye ClinicAddress: No 135, Mao Tse Toung Blvd (245), near Parkway SquareTelephone: +855 23 302 2 Angkor Phnom Penh - Eye ClinicAddress: No. 179CE0, Samdech Monireth Blvd (217), Toul KorkTelephone: +855 92 991 906Dr. Do Seiha Eye ClinicAddress: No. 121, St 110, Boeung Rak, Daun PenhTelephone: +855 023 992 962Optimax Phnom Penh Eye Specialist CentreAddress: Exchange Square, Street 106, Wat Phnom, Daun PenhTelephone: +855 17 37 2525Meta Eye ClinicAddress: No 37–39, St 1966, Phnom Penh Thmey, Sen Sok DistrictTelephone: +855 12 711 729 / +855 10 711 729Japan Eye Hospital Aeon Mall Sen Sok CityAddress: AEON Mall Sen Sok City, Street 1003, Sensok, Phnom PenhTelephone: +855 10 713 338Mental Health and Wellbeing Clinics1. PsychotherapySombok PsychologyAddress: House 10A, Street 75, Sangkat Srah Chak, Khan Daun Penh, Phnom PenhTelephone: +855 77 566 110The Center for Trauma Care and Research Organization (CTRO)Address: No. 8C, Street 460, Sangkat Toul Tompong I, Khan Chamkarmorn, Phnom PenhTelephone: +855 15 57 97 88, +855 78 57 97 88Amari Mental Health CenterAddress: House 42D, Street 178, Sangkat Chroy Chongva, Phnom PenhTelephone: +855 96 6 965 999, +855 12 965 999Bright MindsAddress: 1st floor, 49-51, Street 205, Phnom PenhTelephone: +855 77 532 041Oasis House CambodiaAddress: Borey Arata, Arata Gardens Residence, House131, Phnom PenhTelephone: +855 17 545 565Sunrise Mental ClinicAddress: No. 117, Street 1003, Sangkat Phnom Penh Thmey, Khan Sen Sok, Phnom PenhTelephone: +855 99 545 565TPO CambodiaAddress: HVJC+X6M, Phnom Penh Hanoi Friendship Blvd (1019), Phnom PenhTelephone: +855 95 777 004SMC Clinic Hypnosis and PsychoanalysisAddress: GWWF+3P9, Phnom PenhTelephone: +855 17 545 5652. PhysiotherapyStudio On. PhysiotherapyAddress: NSIDE WH RESIDENCE, Boeng Keng Kang 1, Street 302 #20, Level 1, Phnom PenhTelephone: +855 71 631 2793Movement: Physiotherapy and FitnessAddress: 79, The Office, 79 Street 350, Phnom PenhTelephone: +855 17 223 105Phnom Penh Acupuncture Physiotherapy CenterAddress: 1st floor, No. KH, 10 St 302, Phnom PenhTelephone: +855 87 809 435Physiocam Clinic-Medical Care & RehabilitationAddress: C17-18 Street R8, Phnom PenhTelephone: +855 87 471 477Physio ONEAddress: Street 480 1H, Phnom PenhTelephone: +855 16 236 086Sâmata Medical & SpaAddress: No. 54 St 306, Phnom PenhTelephone: +855 10 274 208Pharmacies in CambodiaPharmacies in Phnom Penh are easily accessible and well-stocked, offering a wide variety of both local and imported medicines, health products, and personal care items. Many are open seven days a week, with some offering extended hours or 24-hour service. Larger pharmacies often have licensed pharmacists who speak English and can provide helpful advice. Whether in busy markets, malls, or residential areas, access to essential medications is generally convenient and reliable.In short, Cambodia's healthcare system has made significant progress in recent decades, reflected in various improved health indicators, such as increased service coverage, reduced mortality rates, and extended life expectancy. This progress is expected to continue as the government is actively focusing on expanding health coverage, strengthening healthcare quality, decentralizing governance, and enhancing health workforce capacity. The ultimate goal is to ensure more equitable and effective healthcare for all Cambodians by 2035.

Like in many other countries, property investment has become a popular way to build wealth, and Cambodia is no exception.The Kingdom's real estate market offers attractive opportunities for those aiming to diversify their wealth and portfolio. There is an opportunity to fully own property, often at more reasonable prices and in better locations compared to other parts of Southeast Asia. Moreover, freehold ownership options are available to foreigners enhancing its appeal.But what is the best investment strategy? Should one invest in apartments, or landed property? Off-plan or pre-existing home, and should the focus be on capital growth or yield? Furthermore, what types of real estate are accessible for purchase by foreign nationals?In this article, we will provide our insights into these questions that investors may have before making an investment.Investment: Off-Plan and Existing HomesWhen exploring the property market, you're typically presented with two primary choices: off-plan or existing properties.Off-plan Property Off-plan properties are chosen based on architectural plans representing homes that have yet to be constructed. On the other hand, existing properties are ready for immediate move-in, allowing for a swift transfer post-contract signing and payment.Investors often receive early notifications about off-plan project launches, presenting an opportunity to secure units at lower prices. This early-bird advantage can significantly enhance profit margins, as buying at this stage usually involves just a down payment and a booking fee. This procedure makes the initial financial commitment more manageable. Furthermore, off-plan properties offer the benefit of customisation, giving buyers the freedom to personalise their space according to their tastes.Off-plan projects, particularly those developed by new companies, should be approached with caution. It is advisable to conduct thorough research on the company's background and its previous projects. Furthermore, we recommend consulting with a reputable real estate advisor to gain deeper insights.Credit Picture: Le Condé BKK1To view this project listing click hereExisting PropertyPurchasing an existing property eliminates the uncertainties and delays associated with the construction of an off-plan project. Though these properties tend to be pricier due to their ready-to-use status, their prices may decrease in situations with oversupply and low buyer demand, potentially offering good value.In summary, both options have their unique advantages and considerations, from the cost-saving and customisation potential of off-plan properties to the immediacy and certainty of existing homes. It depends on the buyer's strategy and needs.  Credit Picture: Realestate.com.com To view this villa listing click hereUnderstand market trends and find the right opportunityReal estate is a market that fluctuates depending on its demand and supply. When there are a large number of buyers in the market looking for a property to live in or invest in, prices tend to rise and become more competitive, while when there are fewer buyers in the market, sellers are more willing to negotiate, giving investors the opportunity for a good deal.In times of low demand, this is an opportunity for homebuyers who have sufficient funds on hand. Home buyers can negotiate effectively with sellers to get the lowest price.After Purchase Strategy: Capital appreciation or rental returnsIn real estate, capital appreciation refers to the increase in a property's value over time, influenced by factors such as location, demand, and economic conditions.For investors, the main objective is to profit from capital appreciation by buying property at a lower price and selling it at a higher price in the future. In the case of off-plan properties, their value typically peaks as they near completion, whereas, for existing properties, house flipping is a common strategy that can significantly enhance the property's value. On the other hand, rental return, also known as rental income or yield, is the income earned from leasing out a property to tenants.To ensure a steady demand for rentals, investors should focus on prime locations and consider other factors like property demand and tenant requirements.OwnershipIn Cambodia, individuals are granted the opportunity for freehold ownership of various types of real estate. Cambodian citizens can fully own real estate, provided all legal procedures are correctly followed. Among the different ownership schemes available, hard-title ownership stands out as the most secure option. For further details, please refer to our comprehensive guide on title ownership hereFor foreign investors, it is slightly different, yet there remain investment opportunities. Specifically, condominiums and apartments constructed after 2010 are available for foreign purchase under the strata-title scheme. The strata-title stipulations include a prohibition against purchasing ground-floor units and a requirement that 30% of a property must be owned by Cambodians, while up to 70% can be owned by foreigners, and the property should not be within 30km of the nearest land border.It's important to note that foreigners are generally prohibited from owning land or landed properties in Cambodia. However, various mechanisms have been put in place to facilitate investment. According to BNG Legal resources, leasehold agreements allow investors to lease property for a minimum period of  15 years, but can only be for a maximum of 50 years, with options for renewal for a period not exceeding 50 years. Other methods, such as nominee structures, landholding companies, or the trust law, offer alternative forms of ownership for real estate investors. To read more about alternatives to owning property click here.In summary:Apartment Investment: Off-Plan vs. Existing Properties:Off-plan properties offer early investment benefits, customization options, and potentially lower prices but require due diligence on the developer's reputation.Existing properties provide immediate occupancy and less uncertainty, though they may come at a higher cost, with pricing influenced by market supply and demand.Understanding Market Trends:Real estate prices fluctuate based on demand and supply dynamics, presenting negotiation opportunities for buyers when demand is low.After Purchase Strategy: Capital Appreciation vs. Rental Returns:Capital appreciation involves profit from selling property at a higher price over time, suitable for both off-plan and existing properties.Rental returns offer steady income from leasing properties, with success dependent on location, demand, and property features.Ownership Opportunities in Cambodia:Cambodian citizens and foreigners can enjoy freehold ownership, with hard-title ownership being the most secure option.Foreigners can purchase condominiums and apartments with strata titles post-2010 built buildings, adhering to specific ownership ratios and geographical restrictions.While direct land ownership is restricted for foreigners, leasehold agreements, nominee structures, landholding companies, and trust laws provide viable investment mechanisms.If you're seeking real estate in Cambodia, visit our website and social media channels for options. For personalised assistance, contact our customer service team.Realestate.com.kh helps you navigate Cambodia's real estate market. 📞+855 92 92 1000 📧 info@realestate.com.kh 🌐 www.realestate.com.kh

Cambodia is quickly becoming one of Southeast Asia’s most attractive travel destinations and with the launch of Techo International Airport on September 9, 2025, and the new Siem Reap Airport in 2023, new routes by major airlines such as Emirates, Turkish Airlines, Thai Airways, and AirAsia continue to enhance accessibility to Siem Reap and Phnom Penh and the Kingdom as a whole.As tourism continues to grow, it's essential for travellers to understand Cambodia’s visa policies. In this guide, Realestate.com.kh will provide an updated overview of all visa types, requirements, and application processes for 2025.Cambodia e-ArrivalThe Cambodia e-Arrival system was introduced as a mandatory requirement for all air travellers from 1 July 2024 entering the Kingdom of Cambodia and replaced the The CeA replaced the paper Immigration form, the Health form, and the Customs Declaration in one single online application or via the app. It is intended to help streamline the arrival process and must be completed within 7 days before their arrival. The Submission is free and provides you with a QR code, which might be asked for when you arrive.It should also be noted that the large one-page passport visas and stamps have been updated. Arriving visitors to Cambodia will receive a v-Pass by email, replacing the inked stamp in their passport.Types of Visas for CambodiaThe two most common visas in Cambodia are tourist visas (T visa) and ordinary visas (E visa).1. Tourist Visa (T visa)A tourist visa is provided for foreign citizens travelling to Cambodia. It can be applied for in advance or obtained directly at the airport or border port upon arrival in the kingdom.The tourist visa is limited to a single entry and can only be renewed once.After renewal, visitors can stay for another 30 days.The holder must leave Cambodia after the 30 days are up, and if they want to re-enter, it is necessary to apply for a new visa.Therefore, if one plans to stay in Cambodia for a long time, a tourist visa may not be the best option. It is preferable to consider applying for an ordinary visa (E visa).READ MORE: Planning a holiday to Cambodia in 2026 - see all of the public holidays.  Sample of Extension of Stay. (Supplied)2. Ordinary Visa (E visa)There are 4 types or extensions of ordinary visa for Cambodia.Cambodia Business Visa (EB)Applicable groups: Foreigners who intend to conduct business, investment or work in Cambodia, including their partners and children, freelancers and volunteers can also apply for this type of visa.Validity period: Valid within 1 month from the date of entry into Cambodia and can be extended for 1 month, 3 months, 6 months or 12 months in Cambodia. Only 6-month and 12-month EB visas are allowed multiple times.Requirements: The company’s employment contract or invitation letter is required.Note: The EB visa does not give you the right to work in Cambodia. You also need to hold a work certificate issued by the Ministry of Labor.Cambodia Employment Visa (EG)Applicable people: Foreigners who are not yet employed in Cambodia but are actively looking for work.Validity period: Usually valid for 1 monthRequirements: The visa can only be renewed once, up to 6 months. You can apply for an EB visa after expiration.Cambodia Retirement Visa (ER)Applicable people: Foreigners who want to retire in CambodiaValidity period: Valid within 1 month from the date of entry into Cambodia. It can be extended in Cambodia, and each extension can be up to 1 year.Requirements: Applicants must be over 55 years old and demonstrate sufficient pension or savings to support life in Cambodia.READ MORE: Looking to retire in Siem Reap?Cambodia Student Visa (ES)Applicable group: Foreign students studying in educational institutions registered in Cambodia.Validity period: The initial visa is valid for 1 month, and can be extended in Cambodia according to the study period.Requirements: Admission letters or supporting documents from the school are required.3. Other Visa Types for CambodiaIn addition to the visas mentioned above, other visa types are available for different groups of people.Official Visa (B Visa): Applicable to employees of organisations stationed in Cambodia at the invitation of the government, such as the United Nations or the World Health Organization.Visitor Visa (C Visa): This is a free visa for employees of international NGOs who have signed a Memorandum of Understanding (MoU) with the Ministry of Foreign Affairs.Long-term residence visa (K visa): Applicable to Cambodian people holding foreign passports, this visa can obtain a lifetime visa for free.Cambodian Child Visa: All non-Cambodian children must have an E visa to enter Cambodia. If one of the child's parents is Cambodian, a K visa is applicable.READ MORE - Want to know which new condos started handover in 2025?2026 - New Visa-Free Trial For Chinese Visitors to CambodiaIt was announced in December 2025 that Cambodia is going to trial visa exemption for Chinese citizens, allowing stays of up to 14 days without an application fee, from June 15 to October 15, 2026. Chinese visitors are still expected to complete the E-arrival card, and the visa-free period is multi-entry.Visa Application MethodsThere are three ways to apply for a Cambodian visa: visa on arrival, electronic visa and via an embassy. 1. Visa on ArrivalPassengers entering by air, land, or sea can apply for a visa on arrival at the border port. A visa on arrival provides great convenience to international passengers travelling to Cambodia, making tourism or temporary business visits simpler and more flexible.Cost: 30 USD for a tourist visa (T Visa),  35 USD for an ordinary visa (E Visa)Application Process:You should ideally pre-complete the immigration card, customs form and health declaration via the e-Arrival app or online. Arrive at the port of entry Submit the completed entry card, visa application form, passport and fee to the designated service window;Take photos and fingerprints under the instructions of the immigration officer, and then wait for review and issuance.Processing time: about 10-30 minutes. Precautions:Prepare a complete set of information in advance to facilitate smooth entry.You must pay cash in US dollars when applying for a visa on arrival. It is best to prepare enough cash in advance to avoid delays caused by payment problems, but generally, card payment is accepted as well!2. Electronic Visa (e-Visa)The Cambodia Electronic Visa (e-Visa) is a convenient way to obtain a visa. Travellers can apply online to obtain permission to enter Cambodia.Official website: www.evisa.gov.khApplication Process:Step 1: The first step is to log in to the official website, click to enter the application page, and fill in the information truthfully.Step 2:  Upload the scanned copy of the original passport and photos.Step 3: Pay the fee, which supports credit card (Visa), MasterCard (MasterCard), China UnionPay (UnionPay), Alipay or WeChat payment;Step 4: Submit after confirmation and wait for the approval. The processing time is about 3 working days. Step 5: Print the electronic visa. Once the application is approved, the Immigration Bureau will send the electronic visa to the applicant's email address, and travellers need to print it out and carry it with them to present it when entering the country.Cambodia Tourist Visa (T visa)Fee: USD 30 + USD 6 (handling fee)Validity period: 3 months (from the date of issue)Entry: Single entry onlyLength of stay: 30 daysReview time: 3 working daysRequired materials: Copy of original passport (valid for more than 6 months), electronic white background photo (size 3.5 x 4.5cm), valid email address, itinerary information (such as planned stay date, port of entry, hotel, etc.)Cambodia Ordinary Visa (E Visa)Fee: USD 35 + USD 7 (handling fee)Validity period: 3 months (from the date of issue)Entry: Single entry onlyLength of stay: 30 daysReview time: 3 working days. Requirements: Copy of original passport (valid for more than 6 months), electronic white background photo (size 3.5 x 4.5cm), valid email address, itinerary information (such as planned stay date, port of entry, check-in hotels, etc.)Before travelling, it is best to carefully verify and confirm your intended port of entry, as electronic visas are applicable only at ports of entry selected by the holder.** Important: e-Visas are only accepted at selected airports and land borders. They are *not valid at sea ports or unofficial crossings. Double-check your port of entry before travelling.List of Cambodia’s ports of entry that support electronic visas:Airports:Phnom Penh International Airport (will be changed to Techno International Airport on September 9th, 2025)Siem Reap Angkor International AirportSihanoukville International Airport READ MORE: How to Go to Cambodia’s New Techo International Airport?Land BordersPlease check before travelling, but usually:Cham Yeam (Koh Kong) – Thailand borderPoipet (Banteay Meanchey) – Thailand borderBavet (Svay Rieng) – Vietnam border (also known as Moc Bai–Bavet)Tropaeng Kreal (Stung Treng) – Laos border3. Embassy Application An embassy visa refers to the visa applied for at the nearest Cambodian consulate in your home or visiting country. Application processDetermine the visa type: First, determine the type of visa you need (such as tourism, business, student, etc.), because different types of visas have different application requirements and procedures.Preparation materials: Generally speaking, applicants need to provide a valid passport, visa application form, passport-size photos, invitation letters, hotel reservations, round-trip air tickets, etc. The specific requirements depend on the visa type.Apply: Submit your complete visa application and relevant documents to the nearest Cambodian embassy or consulate. Some states may allow submission by mail.Pay the visa fee: Pay the corresponding visa fee according to the type of visa applied for. For fee standards, please refer to the official announcement from the Cambodian embassy or consulate to which you are applying.Waiting for approval: After applying, you need to wait for visa approval. Approval times can range from a few days to a few weeks, depending on the processing speed of each embassy or consulate.-Want to Stay Informed About Travel & Real Estate in Cambodia?Download the latest Cambodia Condominium Report from realestate.com.kh for updated visa info, property trends, and more! And feel free to contact us to get more information about the real estate landscape in Cambodia!📞 +855 92 92 1000📧 info@realestate.com.kh📍 Visit us at The Connect Center:#306BCD, Monivong Blvd (93), Sangkat Chakto Mukh, Khan Doun Penh, Phnom Penh🕘 Mon–Fri: 9:00AM–5:00PM | Sat–Sun: 10:00AM–5:00PM

Cambodia’s real estate market has rapidly evolved in recent years, offering a wide variety of property types to suit different lifestyles, investment goals, and budgets. Whether you’re a local buyer, an expat, or a foreign investor, understanding the distinctions between property types such as apartments, condominiums, villas, flat houses, shophouses, and borey developments is essential before making a purchase or rental decision.Each type of property in Cambodia comes with its own structure, ownership model, and lifestyle appeal. In this article, Realestate.com.kh will explore these property types in detail and offer a comprehensive comparison to help readers navigate the market confidently.1. ApartmentApartments in Cambodia are often misunderstood as being the same as condominiums. While they may look similar because they’re typically built as mid to high-rise buildings, the key difference lies in ownership. Apartments are properties owned by a single individual, company, or entity, and all units within the building are offered for rental only. Tenants do not own their unit and generally pay rent monthly to a landlord or property manager. Apartments often come fully furnished and are usually managed by a professional leasing company.There’s also a term called “Serviced apartment”, which varies widely in terms of size, style, and price, depending on the location and quality. Serviced apartments are fully furnished and offer amenities such as regular housekeeping, laundry, 24-hour security, and access to facilities like pools and gyms. They are favored by expats, diplomats, and international consultants for short- or long-term stays, especially in central business districts such as BKK or Toul Tumpoung areas. 2. Condominium (Condo)Unlike apartments, condominiums (or condos) are individually owned units within a building. They are purchased with a strata title, which gives the owner full rights over their unit and shared ownership of communal areas like hallways, lobbies, swimming pools, and gyms. Condominiums are managed by the building management team, with tenants typically contributing monthly maintenance fees for services.Understand more about the differences between a Condo and an Apartment in CambodiaThe reason why condos are super popular in Cambodia is that they are one of the few property types legally available for foreign ownership. According to Cambodian law, foreigners can own up to 70% of units in a building above the ground floor. This has made condominiums an attractive investment option, especially in Phnom Penh and Sihanoukville, where modern condo projects continue to rise. (J Tower 3, one of the luxurious condominiums in Phnom Penh)3. Flat House & ShophouseThe flat house, often simply called a "flat," is a common residential structure in Cambodia, especially within gated communities. These properties are built in rows and typically span two to three floors. Flat houses are usually more affordable than villas and are popular among middle-class Cambodian families. They offer spacious spaces and can sometimes be customized or extended as well. Are shophouses the same as a flat house? A sub-category of flat houses is the shophouse, which serves for both commercial use on the ground floor and residential space above. Shophouses are usually positioned in high-traffic areas, making them ideal for small businesses such as cafés, salons, or retail shops. Because of this, shophouses are especially attractive to families who run home-based businesses or wish to generate rental income from the commercial space.(Example of flat houses in Cambodia- Source: Borey Chankiri)Both flat houses and shophouses may be sold under soft or hard titles, and while foreigners are not allowed to directly own land, some can access these properties through nominee structures or land-holding companies, though legal advice from realestate.com.kh is strongly recommended as always!4. VillaIn Cambodia, villas are seen as the most premium residential property type. They are detached houses often located in more private, spacious settings such as gated communities, suburban areas, or near resorts.There are several types of villas in Cambodia:Standard Villa: typically a standalone home with private garden space and parking.Twin Villa: two homes that share a single wall, offering more space than a flat house but less than a full villa.Queen Villa: a more upscale and luxurious villa than twin villas, offering larger land size, better design, and more privacy.King Villa: the highest-end villa type, often featuring multiple stories, grand entrances, landscaped gardens, and luxury amenities like a pool or home office.(Example of villa in Cambodia- Source: Borey Chankiri)Villas are ideal for larger families or individuals seeking space, privacy, and a more exclusive lifestyle. However, because they involve land ownership, foreigners must use legal trust arrangements or Cambodian partners if they wish to purchase villas directly.5. BoreyA Borey is a planned gated community developed by a private construction company. These communities offer a mix of housing types such as flats, shophouses, twin villas, and standard villas. These communities usually include internal roads, security guards, drainage systems, and shared amenities such as parks, playgrounds, or even schools and shops.(Examples of Borey and its community- Source: Borey Peng Huoth Beoung Snor)Boreys have become increasingly popular among local families due to their convenience, affordability, and sense of community. They are typically located on the outskirts of major cities like Phnom Penh or Siem Reap, where land is more available. Properties within a borey may be sold under either hard titles or soft titles, depending on the developer and location.Comparing Property Types in CambodiaTo further simplify the decision-making process, we have created a table to outline the key differences between Cambodia’s main property types for you: Cambodia’s property market offers a rich variety of real estate options, each catering to different needs, lifestyles, and legal frameworks. Whether you are seeking an affordable flat in a borey, a stylish condo in Phnom Penh, or a luxurious villa by the beach, understanding the differences between property types is essential before making informed choices.For buyers and investors, especially foreigners, it is important to understand not only the structure and purpose of a property but also its ownership limitations. Consult with us today before making any purchase. 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In recent years, Cambodia's real estate sector has experienced remarkable expansion, captivating the interest of both domestic and global investors. The country's rapid urbanization, growing middle class, and resurgence in tourism activity following the pandemic provide excellent opportunities for property investment, particularly in the condominium market.In this article, we will explore the top three areas for condo investment in Cambodia: Phnom Penh, Siem Reap, and Sihanoukville. Phnom PenhAs the capital city and economic hub of Cambodia, Phnom Penh hosts the Kingdom’s seat of government and serves as the home to over two million Cambodians and expats.Over the years, the city has witnessed rapid development in various sectors, including real estate, infrastructure, and tourism. For example, the rapid development of areas such as Koh Pich, the construction of schools/institutions, and the addition of the new airport. All this combined it continues to attract many looking for better opportunities in the capital leading to a strong demand for residential properties. The growing middle class in Phnom Penh is driving a significant increase in consumer demand. As more people move up the economic ladder, there's a surge in demand for a wide range of goods, and services. In the capital city, international brands are increasingly present in the streets of Phnom Penh. In recent years, popular franchises like Starbucks, Papa John’s, 7-Eleven and Zara have entered the market showing interest in the Cambodian market. In Phnom Penh, the popular residential areas for expats and locals who want to be close to the city centre include BKK, Chamkarmon, and Tonle Bassac. Prime location offers convenient access to commercial centres, schools, and entertainment facilities. Upcoming areas with a growing amount of amenities are Chroy Changvar and Koh Norea.  In Phnom Penh, the average sale price of condo units is as follows:1-bedroom condominium units cost an average of USD 79,6562-bedroom counterpart units cost an average of USD 123,7283-bedroom counterpart units cost an average of USD 312,151Siem ReapRenowned for its ancient temples, including the world-famous Angkor Wat, Siem Reap has emerged as a premier tourist destination. The city’s popularity among international visitors has created a strong demand for accommodation and businesses related to the tourism industry.A distinct feature of Siem Reap’s urban landscape is the absence of towering skyscrapers or high-rise buildings, a result of height restrictions designed to preserve the view and cultural significance of Angkor Wat. This has maintained the city’s unique charm, with low-rise buildings and condominiums contributing to its tranquil atmosphere. Despite this, Siem Reap continues to attract expats with its eclectic mix of culture, tourism, and laid-back Khmer country lifestyle.Siem Reap is increasingly appealing for starting businesses, particularly in the food and beverage, hospitality, and tourism sectors. In recent years, there has also been a rise in luxury and eco-tourism, with high-end hotels, boutique resorts, and eco-friendly accommodations becoming more prevalent. The Angkor Siem Reap International Airport, completed in 2023, is expected to attract more tourists with its newly enhanced facilities, further boosting the city’s growth.The city has also benefited from significant infrastructure investments, including improved roads, public transportation, and utilities, enhancing its accessibility and livability. Beyond tourism, Siem Reap is diversifying economically, with emerging interests in real estate development and organic agriculture. The prime residential areas in Siem Reap include Wat Bo, Sala Kamreuk, and Svay Dangkum, offering proximity to the city centre and major attractions like Pub Street. In Siem Reap, the average sale price of condo units is as follows:1-bedroom condominium units cost an average of USD 125,2832-bedroom counterpart units cost an average of USD 151,0023-bedroom counterpart units cost an average of USD 188,000SihanoukvilleSihanoukville, nestled along Cambodia’s southwestern coast, is a rapidly growing city known for its stunning beaches and proximity to Koh Rong and Koh Rong Sanloem. Once a simple beach town, it has become a vital commercial hub and key driver of Cambodia’s economic growth. The Sihanoukville Autonomous Port (SAP), the country’s largest deep-sea port, plays a crucial role in the import-export sector, attracting foreign investment. The Sihanoukville Special Economic Zone (SSEZ) has become a hub for manufacturing and multinational companies. The new expressway boosts tourism, drawing visitors to its vibrant beaches and nightlife. Popular spots like Ochheuteal, Otres, and Serendipity offer relaxation and water sports, while luxury developments reshape the skyline. With its natural beauty and economic potential, Sihanoukville is Cambodia’s next big destination.In Sihanoukville, the average sale price of condo units is as follows:1-bedroom condominium units cost an average of USD 155,0002-bedroom counterpart units cost an average N/A3-bedroom counterpart units cost an average of USD 253,650In conclusion, the three cities in Cambodia with potential for condo investment are Phnom Penh, Siem Reap, and Sihanoukville. Generally speaking, these cities are poised to experience significant growth in the future due to their ties with economic activities such as tourism and trade. Phnom Penh, being the capital, holds a distinct advantage. However, Siem Reap and Sihanoukville are also worth considering due to their high influx of tourists. Overall, it is important to evaluate the dynamics of property demand in each city to ensure a favourable return on investment.  Looking for a condo in Phnom Penh, Siem Reap or Sihanoukville? Send us your enquiries, we do the job for you!Click Here

When exploring property options, you will undoubtedly come across shophouses. Regardless of whether they are newly built or old, they represent a unique property type that can be found all over Southeast Asia, and Cambodia is no exception. However, the question arises: What are the key considerations needed when purchasing shophouses? In this article, we will explain various types, locations, and property histories.Types of Shophouses Shophouses are possibly the most desired property for Cambodians, due to their versatility, whether it be a business, home or even both. A shophouse layout comes in many shapes and sizes, however, they are generally a standard size of 4 metres by 16 metres (13 feet by 52 feet). Generally, these shophouses are two, three or four floors high, with a long and narrow layout. Shophouses sit in a row and share a joining wall with the neighbouring house. A traditional shophouse usually has a narrow frontage and extends deep into the block. It has a ground-floor commercial space, and the upper floors are used for living quarters. In contrast, modern shophouses often have wider frontages and more floors, in some cases, a mezzanine is also a feature of shophouses making them suitable for larger commercial enterprises. These unique properties offer the best of both worlds: a storefront or commercial space on the ground floor and residential living quarters on the upper floors. Strategic Location Location is a crucial factor when buying a shophouse in Cambodia. Ideally, a shophouse in a bustling commercial or the potential of an area with high foot traffic for example. If you are buying a shophouse in a borey, look at the main arterial roads or the proximity to these roads, as they will receive the most trade on completion of the project. Shophouses in areas with a mix of retail shops, restaurants, and other commercial establishments, will attract more customers to business. In Phnom Penh, popular areas where you can find shophouses are Daun Penh, Orussey and Sen Sok. Property’s History Many shophouses in Cambodia are old and historic, and it's essential to research the property's history before making a purchase. In case the property has been in existence for a long time, it is recommended to seek advice from a property consultant to find out if the building has undergone any renovations or restorations, and most importantly if it is listed as a heritage building. It is also important to consider that old shophouses generally do have only soft titles as a certificate of ownership. A soft title has the advantage of being easy to transfer, at a cheaper price and there is no need for transfer tax, however, it might not be the strongest form of title ownership. Luckily, not all shophouses in Cambodia are old. Developers have been constructing modern shophouses that are equipped with more floors and wider frontages, modern interior design and space for businesses. Generally, new projects come with hard title ownership. Regardless, of its year of construction, it is essential to verify the ownership title it holds prior to purchase. To find out more about the available offers, click here.Overall, investing in shophouses offers several advantages, with a prominent one being their potential for capital appreciation. This is driven by their mixed-use flexibility, which attracts a wide range of buyers and tenants. Shophouses are often positioned in prime locations, often near essential amenities and transportation hubs. This also presents an opportunity for rental income through their commercial spaces, further enhancing their appeal as a sought-after property investment.The process of buying and selling real estate in Cambodia can be overwhelming, especially when buying a property it is advised to conduct due diligence on the property's title and measurements. Once both parties have agreed on the negotiation terms, a Sales and Purchase Agreement (SPA) should be drafted. To ensure a smooth transfer of ownership, it is recommended to engage a real estate agent to handle the transfer of documents and liaise with the relevant ministries and with payment matters.Looking to buy shophouses in Cambodia? Tell us what you need and let us do the searching for you, for free.

While there isn't a strict regulatory framework in place, common practices among landlords prevail when renting property in Cambodia. This article will provide an explanation of rental payments and deposits in Cambodia, shedding light on key considerations for tenants.  Deposit Once the tenant finds the ideal property to rent, the owner will move forward with a rental contract. Within this contract, details concerning the security deposit will be clearly outlined. Cambodia is no different from other countries regarding a request for a security deposit. It serves as a safeguard for landlords against potential damages or breaches of contract. The specific amount of the security deposit can vary and often depends on the landlord's discretion. Generally, for a 12-month rental contract, landlords usually require a security deposit equivalent to two months' rent. Alternatively, for a 6-month contract, a deposit equivalent to one month's rent is commonly requested. Long-term rental contracts, especially those extending beyond 12 months, are subject to further discussion. In cases of contracts spanning several years, landlords might require a higher security deposit, ranging from 5 to 6 months' rent. While negotiation of the security deposit is possible, it is usually tied to the terms of the rental agreement.  Rental Payment  Rental payment structures in Cambodia tend to vary based on the preferences of individual landlords. However, there are some prevailing norms that tenants are likely to encounter, and it's important to note some additional details about these payment structures. In the majority of cases, tenants are required to pay rent in advance for each month of their tenancy. The payment is usually due on a regular date, often towards the end of the current month or the early days of the new month. It's important for tenants to be aware of this schedule to ensure timely payments and a good landlord-tenant relationship. The rental bill, which outlines the amount due for the upcoming month, is typically sent either through the property management company responsible for the property or directly from the landlord. This bill not only covers the base rent but also includes utility fees such as water, electricity, and sometimes garbage collection. It is common for landlords to include utility fees in the rental payment to simplify the payment process for tenants and ensure that these essential services are consistently paid for.  Amenities & Additional Costs  Tenants should be aware that certain rental fees might not encompass all amenities. Additional charges, such as for wifi, cable TV, and parking, could be separate from the base rent. It's advisable to thoroughly understand what amenities are included in the rental price prior to signing the rental agreement. Early Termination of Rent The conditions for terminating a rental contract prematurely in Cambodia are not set in stone. The terms of such termination must be mutually agreed upon and documented in the rental contract before signing any contract. In some cases, if a tenant decides to terminate the contract early, the landlord may retain the deposit. In other cases, the landlord will request a one-month notice period.  Rental For Commercial Properties The rental dynamics for commercial properties in Cambodia are similar to residential properties. One key distinction is the concept of the fit-out period during commercial property transitions. This involves moving in at a non-charge or discounted rate, especially when significant renovations are required. Negotiations regarding fit-out periods depend on factors such as rental price, location, and market demand. Real estate agents can often play a role in facilitating negotiations between landlords and tenants. Overall, rentals in Cambodia are relatively easy and straightforward. It is important to be well-informed about the rental conditions and additional costs, so tenants can secure a rental property that aligns with their needs and budget. If you are in search of the perfect rental property in Cambodia, whether it's for your business or a home? At Realestate.com.kh, we're here to help you find the property that suits your needs and requirements. Looking to rent property in Phnom Penh, Siem Reap or Sihanoukville? Tell us what you need and let us do the searching for you, for free. Click Here

When purchasing a property, a common concern for buyers revolves around the intricate nature of managing the associated legal and administrative procedures. The lengthiness and lack of clarity in the process can be especially discouraging, particularly for those who are venturing into property ownership for the first time. At Realestate.com.kh, we've simplified this process by providing a roadmap that outlines the steps following your property purchase in Cambodia. Content Sales & Purchase Agreement  Collection of Documents  Submit Documents to the Ministry of Land Management, Urban Planning, and Construction Signing Transfer Form  Title Transfer  Handover 1. Sales & Purchase Agreement (SPA) The process begins with the negotiation and signing of a Sales and Purchase Agreement (SPA) between the buyer and the seller. The SPA outlines the terms and conditions of the property transfer, including the purchase price, payment schedule, and any other relevant clauses that both parties have agreed upon.  2. Collection of Documents Both parties need to gather and prepare a set of documents. Buyers should ensure they have their identification documents, proof of funds, and any other documentation required by the seller. Sellers should provide necessary ownership documents, property information, and title deeds. 3. Submit Documents to the Ministry of Land Management, Urban Planning & Construction After the SPA is signed and the necessary documents are collected, it is time to submit the documents to the Ministry of Land Management, Urban Planning, and Construction. This step is crucial for obtaining the transfer form. 4. Signing Transfer Form Upon receiving approval from the ministry, both parties sign the property transfer form. In Cambodia, both the buyer and seller need to be physically present for this matter as it requires thumbnail signatures. This form acknowledges that both parties agree to go forward with the property transaction. 5. Title Transfer & Transfer Tax Once the transfer form is submitted, the buyer and seller proceed to initiate the title transfer procedure at the District land office. It is important to note that the registration to transfer ownership can take up to 20 to 30 days to be completed. Once registered, the buyer needs to fulfil the obligatory transfer tax and registration fee payment at the Ministry of Economy and Finance (MEF) in the General Department of Taxation. This transfer tax is based on the property value and must be settled prior to finalising the title transfer. Once the transfer tax is paid, the final step is to complete registration at the Cadastral Office at the Ministry of Land Management Urban Planning and Construction (MLMUPC). This step might take up to 5 days to complete. Finally, a new certificate of title will be issued to the buyer with updated records.  6. Handover Upon completion of the title transfer, the seller hands over the physical possession of the property to the buyer. This includes transferring keys, any other relevant property-related items and payment terms once agreed in the SPA agreement. The process of applying for property ownership in Cambodia follows a generally consistent set of procedures. To ensure a seamless transaction, it's advisable to collaborate with real estate professionals to guide you through every step. If you're currently in the market to purchase property in Cambodia, please don't hesitate to contact us!   Looking for a property in Phnom Penh? We have more than 50,000 listings on our website  Click Here

Landed property, often referred to simply as land, occupies higher value within real estate due to its versatile value. Its desirability comes from its capacity to serve as a tangible and enduring investment. Landed property acts as a foundational base upon which a wide array of structures can be constructed, thereby facilitating a range of commercial, residential, agricultural, and industrial ventures. Ownership of land offers the potential for significant capital appreciation depending on its location. Consequently, land stands as a symbol of security, and a lasting legacy, solidifying its reputation as a highly coveted category of real estate. Why Own Land in Cambodia?  Owning land in Cambodia presents a compelling opportunity owing to the country's extensive amount of unexploited land and its strategic cities that are poised for significant development. Cambodia, strategically well located in Southeast Asia where it is surrounded by neighbouring Thailand and Vietnam, offers a unique position for investors looking to capitalise on the region's growing economic potential. The capital city of Phnom Penh stands as a vibrant economic hub with rapid urbanisation, making it an ideal location for real estate investment. It is witnessing an influx of businesses, foreign investments, and a growing urban population. This urbanisation trend presents promising prospects for landowners, as it contributes to increased demand for commercial and residential spaces, thus potentially driving land value appreciation.  Sihanoukville, situated along the coastline, has transformed from a quiet coastal town into a bustling port city and developing as a tourist destination. The city's strategic location near international trade routes and its rapidly growing infrastructure make it a focal point for property development.  Siem Reap, known for its proximity to the Angkor Wat temple, has also emerged as an area of interest. The city's tourism sector has experienced consistent growth, attracting visitors yearly. This has led to increased demand for accommodation, entertainment, and related amenities, offering landowners a chance to explore the hospitality and tourism industry.  How Can Foreigners Invest in Landed Property in Cambodia?  Investing in landed property in Cambodia as a foreigner is subject to certain regulations and restrictions. Foreigners are generally prohibited from owning land outright in Cambodia. However, there are alternative options to consider.  Investment in a Cambodian Company: Foreign investors have the option to invest in a Cambodian company, wherein they establish a company that holds land ownership and where the foreign investor becomes a shareholder. However, this method typically necessitates majority ownership by Cambodian citizens, usually involving a distribution of 51% of shares to Khmer citizens and 49% to foreign investors, making it a relatively safer approach favoured by foreign investors. Trust Services  Some foreigners explore the option of setting up a trust to hold and manage their property interests in Cambodia. A trust involves transferring legal ownership to a trustee, who has the property for the benefit of the foreign investor (the beneficiary). Trusts can offer added protection and flexibility, as well as potential estate planning benefits.  Long-Term Lease Agreement Foreigners can acquire land through a long-term lease. The most common lease term is 50 years, and it is a one-time renewal of 99 years. The lease grants you significant control and use of the property during the lease period. Therefore, it opens doors for foreign investors to engage in various sectors, including residential, commercial, or industrial properties, within the specified leasehold period. Nominee Structure Using a nominee structure consists of allowing Cambodian citizens to hold legal title to the property on behalf of the foreign investor. This practice can be legally complex and may involve risks. It is generally not advised to use this method as the property's legal title is held by the nominee, therefore the foreign investor lacks direct control over the property which can lead to disputes or difficulties in managing the property as intended. What Do You Need to Invest?  Valid Passport and Visa: A valid passport is essential for identification purposes. Additionally, you would typically need a valid visa that permits you to stay in Cambodia for the duration necessary to complete your property investment and related transactions.  Financial Resources: Adequate financial resources are necessary to fund your property investment. This includes the purchase price of the property, transaction costs (such as legal fees and taxes), and any additional costs associated with property ownership. If you are interested in learning more about landed properties in Cambodia, talk to our agents today to find out more  Click Here

Cambodia has emerged as a destination for property investment and ownership, providing opportunities for both local and foreign buyers. However, when considering property in Cambodia, it is essential to explore a few factors before making this decision. In this article, we will explore market trends, ownership options, location preferences, and prices to help buyers make informed decisions.What's the Property Market Like in Cambodia?The property market in Cambodia has experienced significant growth and development in recent years, especially prior to the pandemic making it an attractive destination for investors and buyers alike. With a stable economy and foreign investment, the real estate sector has flourished, witnessing a surge in demand for residential, commercial, and industrial properties. Urban centres, such as Phnom Penh and Sihanoukville, have become focal points for development, with a rising number of modern high-rise buildings. Despite the significant growth and development in Cambodia's property market, it has not been without challenges. The ban of online gambling in 2019, and the pandemic created an oversupply of properties, which has put downward pressure on prices. As a result, property prices have, in some cases, experienced a decline from their pre-pandemic levels. The current situation has created a market that is more favourable to buyers, presenting opportunities for those seeking more affordable investment options. Am I Eligible To Buy a Property in Cambodia? If you are Cambodian, you are eligible to buy a property in Cambodia. As a Cambodian citizen, you have the legal right to directly own any type of property, including land, condominiums, and landed properties. For foreigners or non-Cambodians, the property ownership regulations are slightly different. Foreigners are allowed to own condominium properties in Cambodia, but there are some restrictions. They can only own condominium units on the first floor or higher, and they are not permitted to own units on the ground floor. Additionally, foreign ownership is limited to a maximum of 70% of any building with a strata title.If you are interested in buying a condominium as a foreigner, it is essential to familiarise yourself with the specific regulations and procedures. Find helpful resources to learn more about foreign ownership in Cambodia here.Moreover, for foreigners interested in exploring opportunities in land and landed properties, there are certain limitations. Foreign individuals cannot directly hold property titles for such properties. However, foreign buyers and investors have found alternative routes to navigate the real estate market in Cambodia. Different approaches include utilising Trust Services, using a local nominee or registering a local land holding company. Through these methods, foreign investors can effectively secure a stake in the property market and invest in landed properties. If you wish to know more about these mechanisms, you can find additional information herePrefered Location To Seek Property Phnom PenhThe city of Phnom Penh serves as the capital of Cambodia and also the Kingdom's seat of government. The capital is not only the political centre but also the primary economic hub of the country. Major economic activities, including finance, education, hospitality & tourism, and technology, are primarily focused in the capital. The city has witnessed remarkable economic growth in recent years, making it an attractive hub for local and international companies, and fostering job creation for Cambodians. Phnom Penh is home to millions of Cambodians and a growing number of expatriates yearly. The city's urbanisation has been on the rise, with a significant influx of people migrating from rural areas in search of better employment and educational opportunities. It also offers a blend of cultural and historical landmarks, such as the Independence Monument, the Royal Palace, the Silver Pagoda, and the Tuol Sleng Museum, attracting visitors every year. These factors, coupled with the city's lifestyle, diverse activities and entertainment, make Phnom Penh a highly sought-after destination for property investors looking to capitalise on opportunities. Siem ReapSiem Reap is Cambodia's cultural tourism centre, located about 14 km northwest of Phnom Penh. It is home to the famous temples of Angkor Wat, attracting visitors from all over the world yearly. Prior to the pandemic, Siem Reap International Airport catered to an impressive 3.9 million passengers annually. The primary drivers of the economy in Siem Reap rely on tourism, with hotels, boutique guesthouses, and F&B establishments catering to travellers visiting the city. Siem Reap offers a laid-back Khmer country lifestyle and a green environment, which appeals to both locals and foreigners. Notably, the city's newest airport, the Angkor Siem Reap International Airport, has been completed and is scheduled for an official inauguration in October 2023. This new airport will be able to accommodate long-haul flights and more visitors, further boosting tourism in the area.SihanoukvilleSihanoukville is the provincial capital of Preah Sihanouk, located 230 km from Phnom Penh. It has seen massive development in recent years, with numerous construction projects approved between January 2017 and May 2020. Sihanoukville has attracted foreign investment, especially from Chinese investors, resulting in the construction of condominiums, casinos, hotels, and offices. However, some of these projects faced challenges, such as the ban on online gambling and the impact of the pandemic, leading to stalled buildings. The administration of Preah Sihanoukville is implementing measures to address this issue with packages to attract investors. Sihanoukville also serves as the gateway to the idyllic tropical islands off the coast of Cambodia in the Gulf of Thailand, such as Koh Rong and Koh Rong Sanloem. The city's potential to become a tourist destination is further enhanced by the addition of two new world-class hotels in 2023. Types of Properties Cambodia boasts a diverse array of property types that cater to varying lifestyles and preferences. The real estate landscape comprises Condominiums, which offer modern living in high-rise buildings with mixed-use facilities. Office buildings and commercial spaces provide ideal settings for businesses and enterprises to thrive. Villas, sought after by affluent Cambodian families, offer spacious freestanding houses with gardens, making them perfect for extended family living. Shophouses, with their ground-floor retail spaces, are popular among locals, while renovated ones add a touch of history to urban areas. Lastly, Boreys, gated communities on the city outskirts, provide Khmer families with secure and well-equipped surroundings, including diverse housing options and communal amenities. Read more in detail about the property types hereProperty Prices in CambodiaBased on Realestate.com.kh research, here are the average sale prices of condominium units and landed property in Cambodia. Condominium Rate/sqm  Low-End Medium-EndHigh-End Phnom Penh$1200-$1500/sqm$2100-$2500/sqm$3000-$3500/sqmSihanoukville $1,700/sqm$2,200/sqm$3,500/sqmSiem Reap $1,200/sqm$2,200/sqmN/A    Landed Property Rate Upscale AreaInner City Centre Outside City CentrePhnom Penh$3,000-$6,000/sqm$1,500-$2500/sqm$200-$800/sqm    Comparing Property Prices in Neighbouring CountryComparatively, Cambodia's property market offers more affordable options compared to Thailand. In Bangkok, according to the Wise website, the average sale price of condo units is as follows, with the prices converted to USD for better comparison:LocationPrice per sq.m apartment city centrePrice per sq.m apartment outside the city centreBangkok$5,465.82$2,546.68Phuket$2,970.70$1,996.36Chiang Mai$1,996.36$1,232.10 When comparing property prices between Bangkok and Phnom Penh, it's evident that Bangkok's city centre properties have a higher cost costing more than $5,400 per sqm. On the other hand, in Phnom Penh, high-end properties come at an average cost ranging from $3,000 to $3,500 USD. Overall, it can be observed that high-end properties in Phnom Penh are generally more cost-effective compared to Bangkok's city centre properties which might not be high-end properties. This price difference might attract potential investors and buyers to consider Phnom Penh as a viable option for real estate investment, especially in the luxury property segment.In conclusion, while seeking property in Cambodia, it is important to understand the current market and select the location and the property type. Overall, Cambodia presents an attractive destination for buyers seeking properties still under market value or within an affordability range. If you're a newcomer to property investment in Cambodia or eager to make an informed decision, reach out to our real estate advisor today for a consultation on the Cambodian property market. At Realestate.com.kh, we offer current insights and help customers find their dream properties every day.If you are looking for a property in Phnom Penh, Sihanoukville or Siem Reap contact us hereClick Here

The nominee structure was once a widely used mechanism by foreign investors in Cambodia's business and property sectors, but as Cambodia is turning into a more structured legal framework, it is not the case anymore. This article aims to shed light on what the nominee structure entails, the advantages and drawbacks associated with its usage, and explore alternative options available in Cambodia. What Is a Nominee Structure?  A nominee structure refers to a legal arrangement in which a person or entity (the nominee) holds assets, shares, or other rights on behalf of another individual or entity (the beneficial owner). In Cambodia, the nominee structure is often used to own landed properties. While it can present several advantages, such as anonymity, asset protection, and ease of asset transfer. It is crucial to highlight the significant disadvantages associated with this arrangement, particularly the potential deterioration of the relationship between the nominee and the beneficial owner.  By entrusting assets to a nominee, the beneficial owner inherently surrenders a level of control. The nominee, who holds legal ownership, may not always act in the best interest of the beneficial owner, increasing the likelihood of misuse, mismanagement, or conflicts of interest. This breakdown in the relationship can have far-reaching consequences, including financial losses, disputes, and reputational damage. In addition, while the nominee structure may offer benefits, it can also present legal and regulatory risks. Authorities may view the use of nominees as a means of evading taxes, or disguising illicit activities leading to potential legal consequences. In conclusion, it is essential to carefully evaluate the potential risks before opting for a nominee structure, considering alternative options that offer greater control and transparency. Alternatives to Nominee Structure Trust Services Trusts provide a legal framework where a trustee holds assets on behalf of beneficiaries. Trusts can offer similar benefits to the nominee structure, such as privacy and asset protection, while ensuring a higher level of control and legal compliance. In Cambodia, trust services enable foreigners to own and transact properties. Trust services act as representatives, oversee the property and charge a management fee on behalf of the foreign buyer.  Land Holding Company  Foreigners can own property in Cambodia by establishing a locally registered company with a minimum joint share of 51% for local shareholders and 49% for foreign shareholders. The land holding company can then purchase or transact properties under its registered company’s title enabling foreigners to have ownership while adhering to local requirements.  Leasing Agreement A leasehold agreement, on the other hand, involves the purchase of the right to occupy a property for a fixed period, as stipulated in a lease agreement with the landowner or the developer. In this scenario, the land on which the real estate stands is owned by another party, such as a developer or landowner. The leasehold period can vary widely, in Cambodia, leasehold ownership is a common arrangement, with a typical lease term of 50 years and the option for a one-time renewal of 99 years.    In conclusion, the safety of using a nominee structure in Cambodia requires careful consideration. Over the years, the use of nominee structures has not always been favoured by foreign investors looking to purchase landed property. However, it is worth noting that alternative options are available for foreign investors seeking to own landed property in Cambodia. Foreign investors interested in landed properties are advised to seek professional guidance from real estate experts at Realestate.com.kh. We provide accurate and up-to-date information daily on the property market in Cambodia.  If you are interested in learning more in detail about the ownership structure in Cambodia, our real estate agents are ready to assist you. Contact us today.  Free Consultation Here

When considering the purchase of a property, it is essential to understand the different types of ownership structures available. The two primary forms of flat ownership are freehold and leasehold. This article aims to define and shed light on the distinctions between these two ownership models in Cambodia, allowing prospective buyers to make informed decisions.Freehold Ownership Freehold ownership refers to absolute ownership of a property, including the land on which it is situated. Acquiring a property that one can own indefinitely, with the freedom to possess it for as long as desired, is a goal for many individuals. In Cambodia, this aspiration can be achieved through the acquisition of a property with a "Hard Title." Considered the most superior form of ownership, a Hard Title proves the ultimate status of ownership of the property. Recognised on a national level, Hard Titles are issued by the Ministry of Land Management, Urban Planning, and Construction, ensuring their legal validity. Each Hard Title certification is stored in the national land database, providing an additional layer of security, as it cannot be revoked or taken away by anyone. Furthermore, foreign individuals have the opportunity to own properties with Hard Titles, with their equivalent through strata title when purchasing a condominium allowing them to invest in Cambodian real estate with confidence and long-term stability.Leasehold Ownership Leasehold ownership, on the other hand, involves the purchase of the right to occupy a property for a fixed period, as stipulated in a lease agreement with the landowner or the developer. In this scenario, the land on which the real estate stands is owned by another party, such as a developer or landowner. The leasehold period can vary widely, ranging from a few decades to several centuries, depending on the terms of the lease. In Cambodia, leasehold ownership is a common arrangement, with a typical lease term of 50 years and the option for a one-time renewal of 99 years. The Cambodian government grants leasehold rights to specific companies or entities for the purpose of investment or development. During the lease period, the leaseholder has exclusive possession and usage rights over the land and any premises built on it. However, it is important to note that at the end of the lease term, the government retains the right to reclaim the land and any structures on it.Leasehold ownership in Cambodia also allows for foreign ownership, enabling individuals from outside the country to participate in the real estate market. It opens doors for foreign investors to engage in various sectors, including residential, commercial, or industrial properties, within the specified leasehold period.It is advisable for those considering leasehold ownership in Cambodia to consult legal professionals and thoroughly understand the terms and conditions of the lease agreement, including any potential obligations, restrictions, and renewal options. By doing so, investors can make informed decisions and navigate the leasehold process with confidence. To provide a comprehensive comparison between freehold and leasehold ownership in the context of condominiums in Cambodia, the following chart outlines the key distinctions and features of each ownership type:Ownership Type Freehold OwnershipLeasehold OwnershipDefinitionAbsolute ownership of the property and landPurchase of the right to occupy for a fixed periodLand OwnershipIncludes ownership of the landLand ownership retained by another partyDurationIndefiniteFixed period, typically 50 years with a renewal option  Renewal/ExtensionN/ARenewal or extension is possible depending on lease terms and a one-time renewal of 99 years.Ownership RightsFull rights to use, modify, and sell the property and share in decision-making forExclusive possession rights during the lease period. Compliance with lease terms, including payment of rent and adherence to lease conditionsForeign OwnershipPermitted for individual strata title basisForeign ownership allowed within the leasehold period for investments and developmentProsPermanent ownership, control, and flexibilityOpportunity for investment without full ownership. ConsHigher initial investment and potential risksLimited control over the property and land. The eventual return of property at lease expiration. ConclusionIn the context of Cambodia, both freehold and leasehold ownership options are available for foreigners. The Cambodian Law allows foreigners to own condominiums on an individual strata title basis, granting them freehold ownership rights. This means that foreign buyers can acquire absolute ownership of the unit, as well as a proportional share of the common areas and facilities. Freehold ownership provides foreign investors with a sense of security and controls over their property investment.On the other hand, leasehold ownership is also prevalent in Cambodia, especially in cases where the land is owned by Cambodian individuals or entities. In leasehold arrangements, foreign buyers can enter into long-term lease agreements, typically for durations of 50 years or more, with the landowner or developer. During the lease period, the foreign buyer has exclusive possession and usage rights of the real estate. Leasehold ownership can be an attractive option for those seeking to invest in Cambodian real estate but may prefer not to pursue the freehold ownership route.It is essential for potential buyers in Cambodia to carefully review and understand the terms and conditions of both freehold and leasehold ownership options. Seeking professional advice and conducting is highly recommended to ensure compliance with Cambodian laws and regulations governing property ownership.  If you are interested to learn more in detail about the ownership structure in Cambodia, our real estate agents are ready to assist you. Contact us today. Click Here

Urbanisation has been an ongoing global trend, with more and more people moving to cities in search of better job opportunities, improved amenities, and a higher standard of living. However, this rapid influx of people into major cities has resulted in overcrowding, increased traffic congestion, and a strain on resources and infrastructure. Phnom Penh is no exception to this problem. According to the Ministry of Land Management, Urban Planning, and Construction, Cambodia’s urban population is to reach 7.92M by 2030. Therefore to counter these challenges, satellite cities have emerged as a strategic solution to decongest larger cities. In Phnom Penh, satellite cities are gradually playing a crucial role in managing urban growth and creating sustainable living spaces. In this article, we will delve into further details regarding the benefits it offers.What Is a Satellite City?A satellite city, also known as a commuter city, is a self-contained urban area located near a larger city. These cities are designed to accommodate residents who work in the city but choose to live in a less crowded and more affordable environment. The concept originated in the early 20th century as a response to overcrowding and housing shortages in major cities.One of the primary goals of satellite cities is to reduce the strain on urban infrastructure, including transportation systems, housing, and public services. By providing an alternative residential option for city workers, satellite cities help distribute the population more evenly and alleviate the burden on the main city's resources. This decentralised approach to urban planning also promotes regional development and economic growth outside the major city.The main difference between a smart city and a satellite city is that a smart city is a technologically advanced city, while a satellite city is a smaller urban area located close to a large city centre.Satellite City in Phnom PenhIn Phnom Penh, satellite cities like Koh Pich, Koh Norea, and Chroy Changvar become popular choices for commuters due to their proximity to the capital and newly built transportation links. These areas offer a more relaxed pace of life, affordable housing costs, and access to green spaces, making them attractive options for those seeking a balance between work and quality of life.Satellite cities also contribute to reducing traffic congestion and improving transportation networks. Many satellite cities are well-connected to the main city through roads, making commuting easier and more efficient. This reduces the number of vehicles entering the city centre, thus alleviating traffic congestion. Moreover, improved transport connectivity between satellite cities and cities can enhance accessibility for residents, making it easier for them to access employment, education, healthcare, and other services.Furthermore, satellite cities often offer a range of amenities and services that cater to the needs of residents. These include schools, shopping centres, recreational facilities, and healthcare facilities. By providing such amenities locally, satellite cities reduce the dependence of residents on the main city for everyday services, resulting in a more balanced distribution of resources. Chroy Changvar is a good example where, within 10-minute drive popular destinations such as Makro (goods wholesaler), Sokha Hotel (5-star hotel), and Safari World (first waterpark and zoo in Phnom Penh). In addition, schools dot the area as well with plenty of elementary, secondary, and tertiary educational institutions nearby such as Chea Sim Middle School, Norton University, and the Cambodia University of Technology.While satellite cities have proven to be effective in decongesting larger cities, it is essential to ensure sustainable development and avoid the creation of isolated dormitory cities. Adequate planning and infrastructure investment are necessary to create vibrant and self-sufficient communities. If satellite cities have been carefully planned they will encompass their own economic catalysts, including job prospects, social infrastructure, and lifestyle amenities.In conclusion, satellite cities play a vital role in decongesting larger cities by offering an alternative residential option for commuters. These cities have successfully managed urban growth, reduced traffic congestion, and improved the quality of life for residents. By distributing the population and resources more evenly, satellite cities promote regional development and create sustainable living spaces. However, careful planning and investment are essential to ensure these cities evolve into vibrant and self-sufficient communities that offer a high quality of life for their residents. Ready to see new development projects in Cambodia? Find out the latest on our website by clicking here Click Here

Are you looking to invest in real estate but unsure where to start? You might have heard of off-plan properties or new development projects. In this article, Realestate.com.kh will provide a comprehensive overview of an off-plan investment, its benefits and risks and finally where to find reliable projects.What Is An Off-Plan Property?An off-plan property refers to real estate that is sold before construction has begun, or while construction is still in progress. The concept of off-plan property is based on the idea that buyers can secure a property at a lower price than if they were to wait until it is completed. Off-plan purchases are popular with investors and homebuyers alike and Cambodia is no exception. Benefits of An Off-Plan PropertyThe benefit of the off-plan property for investors and home buyers is that purchases can benefit from capital appreciation. As the property is being built, its value may increase, providing the buyer with an opportunity to make a profit if they choose to sell before completion. This is particularly true in areas where property prices are rising rapidly, and in areas where there is a high demand for new housing. In addition, early buyers of off-plan projects have the opportunity to customise their property to their liking. This can include selecting finishes, fixtures, and appliances, and making changes to the layout and design of the property. Risks Of An Off-Plan PropertyDespite its many advantages, the off-plan property does come with some risks. For example, there is always the possibility that the development may be delayed or even cancelled, leaving buyers with a property that they cannot occupy or sell. Additionally, upon completion, the unit may not resemble the show unit or plans that compelled you to buy the property. It is always advised to do your research and work with a local property advisor to help you navigate the property market. Ensuring you buy from a trusted developer with a track record, is highly recommended. It is preferable to have pre-agreements with the developer prior to signing your Sales and Purchase Agreement (SPA), Typically buyers will have 20 days between booking the unit and signing the SPA, and you should always consult with your local property advisor when reviewing property purchase-related agreements. Additionally, we recommend considering seeking legal advice. To read more in detail about the process of buying off-plan property click here. In conclusion, the off-plan property can be a great investment opportunity for those willing to benefit from:Low prices,Customisation optionsPotential capital appreciation. If you are interested in exploring off-plan properties available in Cambodia. You may visit realestate.com.kh, which collaborates with all the licensed developers operating in the market to find reliable projects. If you are looking to find a reliable project in Cambodia, we make it easy for you  Click Here

Buying a property for the first time in Cambodia can be a bit confusing, not only for foreigners and expats but even for locals. If you are considering investing in the real estate market in Cambodia, you should know how many options there are for you to choose from in order to make payments to purchase a property in Cambodia. In this article, Realestate.com.kh will introduce common payment options for buying properties in Cambodia.Common payment methods for buying houses in Cambodia include:Full payment Monthly instalment paymentsDeveloper financingBank financing - Mortgage loan Payments based on construction progress1. Full payment Full payment refers to the total amount of money owed by a buyer to the seller for the purchase of a property, including the purchase price and any additional costs. The buyer pays the full amount within 30 days of signing the sales and purchase agreement (SPA). This is the most favourable payment method if you want to get the best investment price.In addition, if purchasing a villa or individual housing, the buyer can request that the developer speed up the construction as well! How does it work? Buyer pays the full amount after buying the SPAWho is it for? Local and foreign buyers who have the full amount available upfront.ProsNo interest or financing costFaster process (transaction process and construction speed)ConsRequires a large amount of resources (cash flow in all forms) Limited flexibility for managing financial flow2. Monthly instalment payment Monthly instalment payment is a payment method that allows buyers to pay for the property they purchase in smaller, regular payments over a set period. Instead of paying the full cost upfront, the total cost is divided into monthly payments, making it more manageable for consumers. This method is commonly used for either off-plan or under-construction projects.There are some conditions that come along with the payment. For instance, buyers will need to pay a down payment for the first stage, then pay the remaining amount according to the monthly dividend, along with the interest fee as well. To attract more buyers, developers usually set a period for the buyers to pay without interest fees. For instance, let's say Mr. Dalin purchases a pre-sale condo in Phnom Penh, Cambodia, which costs $100,000. The developer offers a payment plan of two-year interest-free instalments. In this case, the cost of the apartment can be divided according to the chart below:FundAmountPayment TimelineDeposit / Booking fee$2,000 - $3,000Pay on the day of purchaseDown payment30% of the total house payment$100,000 x 30% = $30,000Pay when signing the sales and purchase agreement Installment payments$100,000 x 70% = $70,000$70,000 ÷ 24 months = $2916/monthWithin 2 years (24 months)This is an example of the monthly installment payment. Another popular option for this method could be: FundAmountPayment TimelineDeposit / Booking fee(Starting from) $1,000Pay on the day of purchaseDown payment20% of the unit cost$100,000 x 20% = $20,000Pay when signing the sales and purchase agreement Installment payments40% of the unit cost (paid monthly)$100,000 x 40% = $40,000$40,000 ÷ 24 months = $1,667/monthWithin 2 years (24 months)Final payment40% of the unit cost = $40,000Happens during the handover period The key difference between these two options is that buyers are required to pay only 60% upfront, with the remaining 40% due upon handover of the unit. This arrangement helps buyers stay financially prepared in case of any delays in the handover by the developer. This is a great option for those who are looking to purchase a property without much financial pressure, as the buyers can divide their cash flow more efficiently. However, buyers should always make sure that the contracts clearly outline conditions for each payment milestone to avoid any future conflict. If you’re not confident enough and want to know in detail about any of these methods, feel free to contact or visit us at Realestate.com.kh now for more professional guidance!Additional reading: 50 Must-Know FAQs for Real Estate Investors in Cambodia3. Developer financing This option is often used in conjunction with the monthly instalment payment method above. Developer financing is a type of financing where the developer of a property provides the financing to the buyers, typically for a new construction or development project. This type of financing may offer flexible payment terms, low down payment requirements, and other incentives to attract buyers, as mentioned above!What is it? Similar to monthly instalment payments, the developers offer in-house payment plans with flexible terms to attract more buyers.How does it work? Buyer typically requires a 20%–30% down payment.Balance is paid over a specific period.It works differently according to the developers, but some might offer longer interest-free payment. ProsLonger loan term Smoother transaction process because the buyers can pay directly to the developers. Simpler and easier to approve compared to bank loans ConsHigher interest rates compared to bank loansOwnership transfer may only happen after full payment4. Bank financing - Mortgage Bank financing refers to financing provided by a traditional lending institution such as a bank or credit union. Mortgage loans are a type of credit facility known as term loans that are used to help customers buy or refinance residential properties in Cambodia for either personal use, like living or for business or investment purposes.Currently, many major local banks offer mortgages to both Cambodians and some foreigners, but foreign mortgage options are often limited (mostly for foreigners with residency or long-term visas). Typical loan conditions include 50-80% of the property value, interest rates between 7-10% annually, and repayment periods up to 25 years (depending on banks). Basic requirements for a mortgage loan include: Credit ScoreMost banks require a minimum credit score, depending on the loan type and scope. A lower credit score may result in a higher interest rate or other less favourable loan terms.Income and EmploymentBanks need to see proof of your income and employment to determine if you can afford the mortgage payments (things like bank statements, or other work-related documentation)Assets and LiabilitiesBanks will review your assets, such as savings, investments, and other properties, to assess your financial stability. They will also consider your existing debts (past loan or credit card statements)Down PaymentThe down payment is the portion of the purchase price you pay upfront. **A larger down payment can reduce the amount you need to borrow and may also lower your interest rate**Other DocumentationYou should always prepare these documents beforehand: Proof of income and employment.Bank statements.Tax returns.ID and address proof.Sale and purchase agreement for the property.Other relevant documents.But the most important question is still this: Can foreigners get a mortgage in Cambodia?Actually, yes, foreigners can generally receive mortgages in Cambodia; however, the process and available options may be more limited than for locals. Foreigners, especially those who are living and working in Cambodia, can apply for home loans from certain banks. Currently, banks like RHB Cambodia, J Trust Royal Bank, Vattanac Bank, Maybank, and ACLEDA offer mortgage loans for foreigners as well (conditions and requirements vary for each bank). Further reading: Owning property via a trust in Cambodia: How does it work?5. Payments based on construction progressPayment by instalment based on construction progress is a financing method commonly used in the construction industry. This payment method involves dividing the total cost of the project into several instalments, which are paid based on the completion of specific stages of the construction process. The payment schedule is typically outlined in the construction contract, with specific milestones and percentages of the total cost assigned to each instalment.An example of the structure for this kind of payment: First payment30% down payment upon bookingSecond payment20% to be paid after the foundation work is completedThird payment20% payment after the property is topped offFourth payment20% upon completion of interior decorationFinal payment10% upon completionPayment by instalment based on construction progress offers several advantages for property buyers. One of the key benefits is the ability to raise funds in stages, aligning payments with the ongoing progress of the construction. This staged approach significantly reduces financial risk, as buyers only pay once specific milestones are achieved, ensuring that funds are not fully committed upfront. Additionally, since this method does not involve borrowing from financial institutions, there are no interest costs, making it a cost-effective option for many buyers as well.6. Mixed payment methodConsider all of the 5 options above, many developers, whether for condos, houses, or other properties, still offer flexible payment options, mainly tailored to meet the buyers’ financial situation. They can help buyers customise and mix different payment methods to make their purchase more manageable and convenient.For example, when purchasing a condo, the developer can offer the buyer to choose the monthly instalment method before the handover period, then either use the developer financing or bank financing options after the handover is completed. **example of an option only**DepositNormally starts from $1,000Down payment20% of the unit cost Installment payment40% of the unit cost divided by 24 months with an interest-free instalment Final payment(Loan option)40% of the unit cost is covered by using the developer or bank financing options when the unit is being handed overProperty developers usually offer mixed payment methods to increase the accessibility of their properties and attract a wider range of buyers as well. By providing or mixing various payment options, developers can accommodate different financial situations and preferences, potentially leading to more sales.In short, Choosing the right payment option when buying property in Cambodia depends on your financial capacity, long-term goals, and the type of property you’re eyeing. Whether you opt for a one-time full payment, prefer the flexibility of monthly installments, or want to explore developer or bank financing, understanding each method’s pros and cons can save you from unexpected complications down the line. Whether you’re a first-time buyer or simply exploring your options, Realestate.com.kh is here to answer all your questions!-Contact us now via- 📞+855 92 92 1000📧 info@realestate.com.khOr come and visit us at The Connect Center- Opening hours9:00 - 5:00 Monday-Friday 10:00 - 5:00 Saturday - Sunday Location: #306BCD,Monivong Blvd (93) Sangkat Chakto Mukh, Khan Doun Penh, Phnom Penh

When buying houses or land in Cambodia, you often encounter two types of property rights: "hard titles" and "soft titles." So what exactly are hard titles and soft titles and what are the differences between the two? Why does the same piece of land have different types of property rights, and what should investors pay attention to in the selection process? In this article, we will provide an overview of property rights in Cambodia. History of Land Ownership in CambodiaFirst and foremost, understanding Cambodia's history is crucial for investors to interpret land ownership in the country correctly. Cambodia has had a turbulent past, with the impacts of the Khmer Rouge and years of civil war still evident in various aspects, notably in the real estate market. Between 1975 and 1979, the Khmer Rouge abolished private property ownership and destroyed all official property records. At that time, all land belonged to the state and not to individuals. Even after the fall of the Khmer Rouge, property ownership remained unrecognised for the following decade, and all property was considered government-owned. It wasn't until 1989 when Cambodia enacted the "Land Law" that private land ownership was restored. In 2001, Cambodia issued a revised version of the "Land Law," which established a land registration system, allowing individuals to register their land within a legal framework and obtain recognition at the national government level. This law is still in effect today. Registering land in Cambodia is a complex and challenging task, especially when many property ownership documents have been destroyed or are insufficient. As a result, a multi-tiered system has developed, where different types of property rights represent different levels, mainly determined by the level of government where the land/property is registered.What is a "Hard Title"?"Hard Title" refers to a property ownership certificate issued by the Ministry of Land Management, Urban Planning, and Construction (MLMUPC) in Cambodia. The land details are certified at the national level, making it the most secure and advantageous form of property ownership in Cambodia. The transfer of "Hard Title" requires a 4% transfer tax and typically takes about 4 to 6 weeks to process.What is a "Soft Title"?"Soft Title" is obtained from the local district/county office and is not at the national level, but is still considered a form of property ownership. "Soft Title" is widespread in Cambodia, with around 70% of properties in major cities having this type of ownership, and the number goes up to 80% in rural areas. The process of obtaining a "Soft Title" is relatively quick, usually taking only about 10 working days.What are the Advantages and Disadvantages of "Hard Title" and Soft Title?Property Title TypeAdvantagesDisadvantagesHard Title- Recognized at the national level.- Limited availability of properties with hard rights. - Clear and indisputable property rights.- Complex transaction procedures. - Can be used for mortgage loans.- Incurs a 4% transfer tax. - Lower prices.- Only recognized at the local level.  - Risks of boundary overlaps.Soft Title- Cheaper prices.- Limited availability of optional properties. - More convenient transfer procedures.- Tedious processing. - Avoidance of the 4% transfer tax.- Not eligible for mortgage loans. What Is The Difference Between Both?The fundamental difference between hard titles and soft titles lies in the ownership certificates provided by different authorities. "Hard titles" refers to ownership certificates issued by the National Land Management Planning Bureau, while "soft titles" refer to ownership certificates provided by local district or county offices. Having "hard titles" means you are the complete owner of the land, with rights to possess, use, profit from, and dispose of the land. "Hard titles" are the most secure and reliable form of property rights. The new version of the hard card can be scanned with its attached QR code to obtain detailed information about the land, including its location, dimensions, size, and the name of the landowner, among other accurate details. On the other hand, "soft titles" means you are only a legal occupant of the land and do not have sufficient evidence to claim full property rights. This is why in cases where two landlords claim the same piece of land, the one with "soft title rights" will eventually lose the land. "Soft titles" also carry the risk of incorrectly defined boundaries or overlapping with neighbouring plots. However, it's worth noting that "soft titles" are not without advantages. Compared to "hard titles," the process of obtaining "soft titles" is more cost-effective. To avoid transfer taxes, many real estate transactions are still conducted using "soft title rights."How to Distinguish Between Genuine Hard Title and Soft Titles?To ascertain the authenticity of property rights or avoid a situation where a piece of land has both hard and soft titles rights, buyers can obtain the property rights certificate and its copies from the landlord, and then conduct investigations and verification through registration with the Ministry of Land and Resources, Urban Planning and Construction Department, and the local land management office. You can also research the history of the land, such as how many times it has changed ownership and whether each transfer followed the legal procedures strictly, whether taxes were paid on time, etc., to verify the legitimacy of the soft title rights held by the landlord.In Cambodia, land registration officials handle hard property cards based on regions. For instance, when it's time for a village to apply for hard property cards, all villagers will be notified to come and register. You can inquire with neighbours whether they possess a hard title. If any of these neighbours have hard titles, it indicates that the government has issued hard title rights for that area.What If the Property/Land Only Has A Soft Title? A soft title is worth considering, depending on how you plan to deal with the property. For example, a popular trend is to renovate old properties and then resell them at a higher price, with the goal of not holding onto the property for the long term but rather making a quick resale. If you intend to hold onto the property for the long term or invest a significant amount of money into it, then a hard title would be a better choice as it offers more security. Furthermore, many soft titles can be converted into hard titles, so you can inquire about the possibility of converting them before making a down payment. If you are new to Cambodia's property market, speak to our real estate expert today. At Realestate.com.kh, we provide free viewing and consultation with accurate and latest information when it comes to properties tailored to your needs. If you are interested in finding properties in Cambodia, we have 50,000 listings on our website, feel free to contact us for a free view and consultation here Click Here

The old adage of “location, location, location” rings true in modern-day Phnom Penh’s property buying scene. The Cambodian capital is at a point where its core districts are forming with skyscrapers while its outer districts are covered in sprawling gated communities, locally known as boreys.In this guide by Realestate.com.kh, we will be giving you an overview of the pros and cons of buying between Phnom Penh’s modernizing central business districts and its fast-developing suburban areas. And hopefully, by the end of this brief overview, you get to answer: “Where is the best place to live in Phnom Penh?”.What are the Central Business Districts in Phnom Penh?While there are no official distinctions on what the city’s CBDs are, the de facto areas considered CBDs are Phnom Penh’s core districts: Daun PenhBeoung Keng Kang (mainly BKK1)Toul KorkChamkarmon (mainly Tonle Bassac)7 MakaraBeing on the ground in the capital city, one can easily see that these districts are much more developed in terms of concrete roads, sidewalks (some areas), and of course, towering buildings where big multinational corporations, financial institutions, banks, law firms and government offices are located.These districts also host a high concentration of commercial and other leisure establishments such as shopping centres, high-end bars, restaurants and shops that offer branded goods and services.Phnom Penh’s central business districts are also where the mobile and standard internet connections are the strongest and most readily available. Suffice to say, Phnom Penh’s CBDs are where modern city staples are found.Looking for properties in the city centre? Let us help!Advantages of living in CBDCentral Business Districts (CBD) as mentioned above are where most staples of a modern urban centre are found. Residents living within the core districts of Phnom Penh enjoy a diverse set of amenities and conveniences that make city-living the popular lifestyle that it is.Shopping malls such as AEON Mall 1, Chip Mong Noro Mall, Eden Garden, Olympia Mall, Exchange Square and a few others are just within 5km of each other. This isn’t even counting the myriad of small and medium enterprises (SMEs) found in shophouses lining the capital city’s main roads. Whatever it is you might need, Phnom Penh’s core districts have you covered.Speaking of having you covered, most delivery services have Phnom Penh’s inner city in its service range. Foodpanda and Nham24 are the biggest delivery services in Cambodia and their operations only became more cemented in the daily life of Phnom Penh’s residents at the height of the pandemic (2020-2021). Being in the CBDs allows for much more delivery choices (and cheaper delivery charges) when it comes to deliveries if you’re feeling like a couch potato for the day!Living in the CBDs certainly presents the most convenient options when it comes to working as well. Most companies are headquartered in the core districts and living close to work is an advantage of its own, especially in the context of Phnom Penh’s returning rush hour traffic. Compared to workers living far away, you potentially save more time given you’re on the road less travelling 5-6 days a week.When it comes to future returns, your property purchase in the inner cities is almost guaranteed. Property prices in the city centre have almost doubled for a good part of the decade. According to CBRE’s Fearless Forecast 2022, inner-city property values have had a 10% year-on-year price increase. This is mainly due to the development of the city centre and the entry of foreign businesses as well the rise of many Cambodian conglomerates, all vying for an address in Phnom Penh’s CBDs. So, if you ever decide to sell your property, there’s almost a good chance you’re going to get a significant return after some time.Drawbacks of living in CBDLiving in the city sounds great, doesn’t it? If so, then why are people choosing to live elsewhere? Despite the conveniences, there are still significant drawbacks of living at the centre of it all.For starters, properties in core areas cost significantly more compared to outer districts. Price differences vary but you can expect to pay a premium of 30% to even 50% more depending on where you’re looking. The upfront cost of buying a home in the city centre is what drives most locals to looking outside the city centre. Convenience comes at a price, after all.But let’s say you can afford the higher upfront cost, the drawbacks simply don’t stop there. City centres are busy for most of the day and that might be a deal-breaker if you’re someone looking to live in a private and quiet area. Phnom Penh might be small compared to its neighbouring capital cities, but it still is a bustling city jam-packed with cars, motorcycles, tuktuks, pedestrians and everything else in between. Finding a genuinely serene place to call home is significantly more challenging in the inner city.Truth be told, Phnom Penh is a sight to behold, especially if you compare it to how it was just over a decade ago. One of the things you can readily notice is the lack of green spaces back then as opposed to how it is now: a jungle made up of concrete and glass buildings with small parks scattered sparingly throughout the city. Not exactly a refreshing vista.If these drawbacks include some points you require for a home, then you might be wondering, where can I have these things? You’ll be relieved to know you can still enjoy a serene lifestyle, you just have to look at the suburbs of Phnom Penh.Advantages of living in the CBDDrawbacks of living in the CBDModern city amenities are convenient and numerous such as malls, schools, restaurants, cafes and deliveryLess travel time to where one would likely be workingAlmost guaranteed returns given development is already there or is close to being realizedHigher upfront costs when purchasing propertyPrivacy and quiet are premiumsLess greenery; parks are sparsely scatteredWhat are the suburbs of Phnom Penh?The suburbs of Phnom Penh do not differ too much from how one would expect a suburb would be. These are the outer districts orbiting the CBDs and have increasingly become popular among locals, and communities of expatriates, as residential choices. Chroy ChangvarRussey KeoSen SokPor Sen CheyKamboulMeancheyChbar AmpovDangkaoPrek PnovThe rise of Phnom Penh’s suburbs has been a gradual and consistent endeavour from the city’s urban planners and private developers. Property prices and the overall lack of available space to develop is pushing expansion outwards - as is the natural progression of real estate markets around the world.Phnom Penh’s suburbs now offer a significantly better quality of living given that infrastructure for basic necessities such as electricity, water and internet connection is now available in more of these areas with further improvements on these utilities being realized on an annual basis.Commercial developers are also looking outside of Phnom Penh for business expansions. Big developers such as local conglomerate Chip Mong and Japanese-owned AEON have broken ground on several projects outside of the city centre to capture the growing market of suburban residents.However, it is the residential sector that has been recently driving growth in Phnom Penh’s suburban districts. Large residential developments such as Peng Houth, Chip Mong and Orkide are taking what they’ve learned in the past decades and applying new residential technology in their new borey projects.If you’re unfamiliar with boreys, these are a collection of landed homes of varying types and sizes all securely located in a gated community. These residential developments are popular among locals and are often the first choice of most Cambodian property seekers, especially those with families.Realestate.com.kh’s recently concluded Consumer Sentiment Survey observed that Chroy Changvar, a peninsular district in Phnom Penh’s northeast, is the most sought-after single district. And with Cambodia’s growing middle class, demand for these properties has only increased and will likely continue to do so in the next few years.Looking for property in the suburbs? Let us help!Advantages of living in the suburbsProperties in Phnom Penh’s suburbs are significantly much more affordable than those in the city centre. For the same price, your $100,000 can get you a 3-bedroom villa with a spacious kitchen and living room, not to mention your own back yard and a garage, as opposed to probably a 2-bedroom unit in the middle of the city with parking probably still not included in the price. Development of the suburbs is also picking up pace and the ceiling for returns is still uncapped, further adding to your purchase value as time goes on.But it’s not just about the value-for-money you’re getting. A sense of community is very much part of Cambodian culture and the suburbs present an opportunity for homeowners to make friends and be personal with their neighbours. You can think of this as adding to your network of friends, and you know what they say, your network influences your net worth!To further this community building, big developers are including city amenities within their boreys. These range from clubhouses, swimming pools, gardens, playgrounds, sports centres, restaurants, shops and even community shopping malls. These places allow for community building as well as providing for the needs of residents without them feeling the need to travel to the city.Drawbacks of living in the suburbsLiving in the suburbs can be a dream, especially for the modern Cambodian family. However, there are still a few drawbacks worth reminding you if you’re considering buying in Cambodia’s suburbs.First and foremost is the distance one has to travel to get to the city. No matter how luxurious a borey can be, it’s more than likely that you can afford that property because you work in the city. Phnom Penh barely has any public transportation available and the roads (except for National Roads/Highways) often leave something to be desired, particularly during and after the rainy season.Traffic is something you will have to contend with when traveling into or out of the city. Many workers in the city centre live in the suburbs of Phnom Penh and it’s likely your time at work coincides with theirs. It’s quite common for someone living just 20km away from the city centre to spend 1.5 to 2 hours to get home during rush hour.While residential developers are packing more city amenities in their suburban housing projects, they still cannot compete with the amount of choice living in the city centre affords. Restaurants, shops and malls are proximal to one another in Phnom Penh making it easy to mall hop on a whim. Not so much if you live in the suburbs.Advantages of living in the suburbsDrawback of living in the suburbsLarger living spaces for the same price as condominium unitsAllows of community building with neighboursCity amenities being introduced in suburban projectsMore greenery and parksGoing through Phnom Penh’s daily rush hour trafficRoad conditions from city outskirts leave something to be desiredLimited amenities compared to myriad of choices in the city centreWhere is the best place to live in Phnom Penh? For those looking to be in the middle of all the city’s happenings, the CBD or inner districts would be the best place to live. Though higher in cost, it does give back in terms of available amenities and time saved when travelling to wherever it is you decide to go.On the other hand, if you’re someone who prefers a quiet life away from the hustle and bustle of the city, the suburbs might literally be your alley. Living in the middle of the city takes its toll and significant time away from it does help one’s well-being. Homes in the suburbs additionally have wider living spaces compared to the city, hence being the choice for many Cambodian families.Finding the best palace to live in Phnom Penh’s CBD or suburban areas is ultimately a question of “What lifestyle do I want?”. Phnom Penh’s CBD and suburbs cater to different lifestyles and would be best suited for certain people who are looking to live a particular way.Need help deciding? The Realestate.com.kh Concierge service is here to help!Property Concierge ServiceArticle by:

Phnom Penh is home to a myriad of rental choices fit for any expatriate looking to move into the bustling city. Photo from The View Serviced Residence.Phnom Penh is the economic heart and political seat of the Kingdom of Cambodia. It is, by far, the most developed in terms of infrastructure and attracts the most expatriates, and quite recently in 2019, the most tourists in the country.New travel rules for foreigners entering Cambodia 2022The city is at the forefront of Cambodia’s fast-growing economy and it only follows that many expatriates come to Phnom Penh to live and work. If you’re an expat yourself, then this Expat Rental Guide will help you figure out how to find the best expat rentals in Phnom Penh.This guide will answer the following questions you need to know as you go along looking for rentals in Phnom Penh:How much does it cost to rent in Phnom Penh?What’s the best property for an expat to rent in Phnom Penh?What amenities can I expect from Phnom Penh rentals?Where are the best areas to rent in Phnom Penh?What should I keep in mind before renting in Phnom Penh?How much does it cost to rent in Phnom Penh?The total cost of expat rentals in Phnom Penh can be as low as US $400 a month (rent + utilities) to upwards of $2,000 depending on the type of property, number of beds, amenities & services, and of course, location.So, what makes up for this total cost? Let’s find out:Monthly Rent in Phnom PenhMonthly rent in Phnom Penh for a 1-bedroom can start from $200 to upwards of $1000 a month depending on the property, amenities available (or lack thereof) and location. It should go without saying that the starting price goes up the more bedrooms there are.Location matters significantly in Phnom Penh and the closer a rental is to central areas like Daun Penh and BKK1, the higher its price is going to be. But there are always exceptions to the rule - and our team is on standby to help you find those hidden gems for rent in Phnom Penh:Find properties for rent in Phnom PenhRental Deposit in Phnom PenhRental deposits in Phnom Penh are the equivalent of 1 to 2 months of rent depending on the landlord. There’s no fixed rule regarding rental deposits so this will depend entirely on the landlord.Utilities Cost in Phnom PenhOf course, rental costs don’t stop at the rental per month. Utilities such as electricity and water factor into any renter’s monthly costs.When it comes to electricity, apartment rentals in Phnom Penh usually charge 1,000 KHR (0.25 cents US) per kilowatt-hour. Yes, electricity is relatively more expensive compared to Thailand and Vietnam so best cut unnecessary consumption!On the other hand, water is relatively cheap in Phnom Penh rentals. Apartments usually charge anywhere from 0.30 - 0.60 cents US per cubic metre while most others do not even charge at all.It’s important to mention that some apartments in Phnom Penh are classified as serviced apartments. Places like these offer hotel-like services - of varying degrees - to their tenants. These often charge “management fees” ranging from $1 to $2 per square metre to cover maintenance of common areas like lobbies, elevators, and swimming pools. Management fees are usually charged by high-end rentals like Silvertown Metropolitan and many other serviced apartments in Phnom Penh.Find serviced apartments in Phnom PenhRental TaxesThere is a withholding tax of 14% for rental properties in Cambodia. However, it is common practice for landlords to cover this.What are the best properties to rent for expats in Phnom Penh?Expatriates are free to rent any residential property in Cambodia, be it apartments, shophouses, linked houses or even big villas. So, let's take a look at what are the best properties to rent for expatriates:Apartment/CondoWestern-style apartments with modern amenities and generous spaces are easy to find in Phnom Penh. Photo from Silvertown Metropolitan.Starting rental prices:$200 for 1-bedroom apartment$300 for 2-bedroom apartment$400 for 3-bedroom apartment*Prices above are based on live listings on Realestate.com.khApartments are a common choice for many expatriates living in Phnom Penh. They offer modern amenities & services and are often located in busy urban areas where expatriates can easily access staple urban comforts like supermarkets, malls, shops and restaurants.Find apartments for rent in Phnom PenhHousesThere are plenty of landed homes available for foreign rental occupancy in Phnom Penh. Supplied.Starting rental price:$250 for 1-bedroom house$350 for 2-bedroom house$400 for 3-bedroom house*Prices above are based on live listings on Realestate.com.khForeigners may not be able to directly own landed property, but they can rent/lease them. There are landed properties for rent in Phnom Penh such as shophouses, townhouses, villas and linked houses. While there are landed homes available for rent in central districts, they are fewer and are significantly more expensive compared to a wider selection in semi-central/outer districts of the city.Find houses for rent in Phnom PenhWhat amenities can I expect from Phnom Penh rentals?Looking for a view of the city by the pool? Look no further. Photo from Silvertown Metropolitan.Many apartments/houses for rent in Phnom Penh come fully furnished and equipped, as one would expect from a modern rental apartment. This includes refrigerators, a stove, water heater, air conditioning, dining table/chairs, bed(s) and a lot of other quality-of-life inclusions. Check out our complete guide on amenities to expect in Cambodian rentals:Amenities & Fixtures found in Cambodian propertiesWhere are the best areas to rent in Phnom Penh?When looking for rentals as an expatriate, it’s important to take into account what one looks to do and, of course, budget. But let’s assume those are settled and you’re just looking at where to start. We’ve listed down below the best areas for expatriates to live in.Daun PenhDaun Penh is the de facto Central Business District (CBD) of Phnom Penh. It is the most developed area of the capital city and is where most multinational companies operating in Cambodia are found. Despite its modern facade, this district showcases plenty of Cambodia’s cultural and historical attractions such as the Royal Palace and the French colonial houses along Riverside - a popular tourist spot in the city.If you have the budget and wish to live where plenty of expatriates hang out, then Daun Penh is worth looking into.Find properties for rent in Daun PenhChamkarmonChamkarmon is a south-central district in Phnom Penh where a lot of new developments are rising. Tonle Bassac and the Russian Market area (Toul Tompoung) are popular rental areas for expatriates as these subdistricts offer the same urban conveniences as Daun Penh without the associated price tags. The district is popular among locals, expatriates and tourists and is where AEON Mall can be found and where the popular tourist stop of Russian Market is found.If you’re looking for a place with urban convenience with plenty of charm, Chamkarmon should be on the top of your list.Find property for rent in ChamkarmonBoeung Keng Kang (BKK)The Boeung Keng Kang district (BKK) is a relatively new district in Phnom Penh. Formerly part of Chamkarmon, it comprised the portion of the district next to Daun Penh CBD. Given its location, the BKK area shares much of the urban conveniences Daun Penh has while retaining the charms of Chamkarmon. The BKK1 subdistrict is where most international schools, embassies, foreign brand shops and restaurants, and a growing number of modern condos and office buildings are popping up.If you’re looking to live in one of Phnom Penh’s busiest areas, then the Boeung Keng Kang district is something worth looking at.Find property for rent in Boeung Keng Kang (BKK)Things to consider before renting in Phnom PenhWhen signing on the dotted line for rental properties, small very important details are oftentimes overlooked. But you should remember that your final lease agreement might not include many important elements that will ultimately make or break a rental agreement. You can check out our guide on a rental checklist worth going over before signing any lease!Pre-signing checklist for rental propertiesAs mentioned in the first part of this guide, the capital city is at the forefront of a fast-growing property market. There’s a myriad of rental choices available and any expatriate looking to move to Phnom Penh can find something that meets their needs with just a few clicks below:Inquire about properties in Phnom PenhArticle by:

Property management is an integral part of Cambodia’s booming residential and commercial sectors. The fast-paced growth is most apparent in the capital Phnom Penh where new developments are announced and finished almost every year.And as the property market in Cambodia matures, developers, agents, and investors alike are seeing that the long-term success of the building largely depends on how good its services are once it’s handed over.So, what’s property management in Cambodia like? To help us understand the landscape, Realestate.com.kh invited Mr. Veasna Meas, CEO of Naki Realty, Cambodia’s premier property management firm.What’s Property Management in Cambodia like?Property management in Cambodia is not too dissimilar from what one can expect from more developed markets like the United States. According to Veasna, “Property management in Cambodia is similar to what is offered to both developers, owners, and tenants”He explains that property management in Cambodia covers essential aspects of maintaining a given property in multiple ways. For example, property management for condominiums in Cambodia looks after lobbies, passenger/service lifts, and other common areas used by co-owners or tenants in the building.Much like in the U.S., a homeowners’ association (HoA) can be formed by co-owners in Cambodia. This collective body is usually formed once a building is 70% occupied and has the option to pick a property management company to maintain shared spaces using the fees paid by either the tenants/co-owners.Veasna gives us a better understanding of how property management works in Cambodia by giving us its 2 main aspects: Facilities Management and Physical Management.Facilities Management Like that pool? It's thanks to property management that this pool is clean and clear! Photo from Silvertown Metropolitan.Facilities management refers to maintaining the exteriors and interiors of the building including windows, landscaping, driveways, lobbies, passenger lifts, gyms, and all other facilities part of the building.Veasna highlights the importance of having facilities management as buildings with multiple owners like condominiums have a need for someone to look after common/public areas. The fees paid as part of the management fee go into facilities management.Physical ManagementLooking for a clean living space? Property management helps you with regular cleanings. Photo from Silvertown Metropolitan.Physical management refers to the service provided within individual properties (be it a unit in a condo, a landed home, or even a shopping centre). This aspect of property management is more relevant for buyers who buy for investment purposes and require someone on the ground to manage their properties.Veasna notes that this aspect of property management is beneficial for overseas buyers. The importance of this service was emphasized during the COVID-19 pandemic when international travel was mostly restricted and where it was possible to travel required costly quarantine stays.Physical management services, like those offered by Naki Realty, allow overseas investors to manage their properties in Cambodia without physically being in the country. Benefits of property management for overseas investorsA good portion of property buyers in Cambodia come from overseas and the surge of foreign interest in properties in Cambodia has created a demand for property management services. Here’s how property management benefits overseas buyers in Cambodia’s real estate market:Allows investors abroad to oversee their propertiesGiven current travel restrictions, it has been property management companies like Naki Realty has made it significantly easier for overseas buyers to manage their property (or multiples of them) with little to nothing to worry about.One-stop solution to manage multiple propertiesOverseas investors usually have more than 1 property at a time. Managing multiple properties, be it in the same development or across different projects can be a headache. “Regardless of whether how many properties an investor owns,” Veasna said, “the objective of a property management company is to provide overseas buyers with someone they can count on to look after their properties”.Tenant management made easyOverseas investors can expect services like screening, leasing, and receiving requests from tenants to be handled by the property management firm they choose to hire. Property management services in Cambodia are open to receiving tenants requests 24/7. This saves the need for tenants to directly contact the owner who is likely located abroad and in a different timezone.Property management fees in CambodiaProperty management fees in Cambodia range from $1 to $2 and are multiplied by the gross area in square metres. Gross area refers to the size of the unit itself plus a share of the common areas. For example:Gross unit sizeUnit size50 sqmShare of common area40 sqmGROSS AREA (unit size + common area)90 sqmManagement feeGross Area90 sqmManagement fee (per sqm)$1.5MANAGEMENT FEE$135 per monthManagement fees go to the maintenance of facilities, with some developments allocating a portion for a Sinking Fund - a separate fund used to address unforeseen expenses in the building.Does the management fee include tenant screening and leasing?This is classified as an optional service and would cost a nominal fee. The cost of this additional service is a portion (around 10%) of the rental fee. By extension, dispute resolutions such as evictions would also cost a nominal fee.Can I negotiate a lower management fee for fewer services?Negotiating would be difficult as prices are set based on what type of unit is owned and the amenities available to it. Property management fees cover the cost of utilities and maintenance of facilities used by all tenants and co-owners residing in the building.Regulations surrounding property management in CambodiaDespite being a relatively new service, there are a few regulations surrounding property management in Cambodia.Property management licenseThe Ministry of Economy and Finance issues licenses for property management in Cambodia. Veasna explained that the Ministry started issuing licenses around 2015-2016, with Naki Realty obtaining the first few of these licenses when they were made available.Since getting the license, Naki Realty has been impactful in shaping the concept of property management to Cambodian regulators.Strata-titled buildingsStrata titles are a form of ownership applicable to buildings designed to have multiple owners. This is the only property available for direct foreign ownership. You can learn more about strata titles and other property titles in Cambodia here.Strata-titled buildings are required to have a form of property management in place. However, given the concept’s relative novelty, developers are still navigating how to implement this regulation.The future of Property Management in CambodiaOf course, there will always be a challenge with any new concept introduced in a market. According to Veasna Meas, the current challenge within Cambodia is the acceptance of property management as a standard of post-handover planning. However, he explains that more developers are starting to realize that they cannot be a jack-of-all-trades and would require expert property management.Additionally, the rising competition between developers has caused a number, especially those with international backgrounds, to seek out companies like Naki Realty to provide property management services to ensure the long-term value and overall success of their building, a period that goes well beyond the handover date.“Property management will continue to develop alongside the larger real estate market,” said Veasna Meas. “As more condos and office buildings come online, developers will see the need for this type of service”.Looking for a well managed property in Phnom Penh? Let us help!Article by:

Angkor Grace Residence & Wellness Resort in Siem Reap is a holiday home investment available for both Cambodians and international buyers. Supplied. Cambodia’s fast-growing economy has made it home to many expatriates and attracted a flurry of foreign investors. This influx of foreign buyers has also been influential in the progression of the Kingdom’s real estate sector with many developers molding their properties to popular designs abroad. But even foreigners cannot buy a home with a 100% payment right away, hence, the need for home loans. There is a prevailing belief that expatriates or foreigners, in general, have a harder time getting a home loan. While it is indeed more challenging compared to locals, it is still possible for foreigners to get a home loan in Cambodia. There are 2 primary loan sources in Cambodia: Bank loans and Developer loans. Bank loans are common across property sectors in different countries while developer loans are less so. Cambodia’s banking system has grown exponentially in the past 2 decades and bank loans are now more available to both locals and foreigners. Getting a home loan as a foreigner Not every bank offers home loans to non-Cambodians. Fortunately, there are banks such as RHB Cambodia, a Malaysian-owned bank, offering home loans to expatriates and foreign investors interested in Cambodian property. Expatriates in the Kingdom and foreigners living abroad may be asked to present any of the following requirements when applying for a home loan: If you are employed: Passbook / Bank Statement / 3 Months Payslip Employment Contract or Employment Certificate Work Permit (for expatriates in Cambodia) Curriculum Vitae (CV) National ID or Valid Passport Passing credit check from the Credit Bureau Cambodia (for expatriates in Cambodia) Sales Purchase Agreement If you are self-employed or a business owner: Latest Business Patent Valid Business License Business Registration Bank Statement Financial Statement for the last 2 years 3 months sales or purchase invoice Company profile National ID or Valid Passport Passing credit check from the Credit Bureau Cambodia (for expatriates in Cambodia) Sales Purchase Agreement These are the usual requirements for loans in Cambodia though keep in mind there may be other requirements depending on the bank. Nevertheless, having these at the ready will definitely help speed up the process and bank staff, especially from RHB Cambodia, are well-equipped to walk applicants through the process. Additionally, new projects in Cambodia developed systems and partnerships with banks to fully assist non-Cambodians in purchasing a property. Prominent examples are The Peninsula Private Residences and Angkor Grace Residence & Wellness Resort projects that allow expatriates and foreign investors to own property in Cambodia be it for personal use or as an investment property. What properties can I get a home loan for, as a foreigner? The short answer is condominium units. This is because these are the only properties that come with a Strata Title. A Strata Title is a special title commonly used for condo unit purchases, and most recently office units, that are available to both Cambodian nationals and foreign nationals. To learn more about property titles, you can check our ultimate guide to property titles in Cambodia. Cambodia’s property market has grown steadily over the past few years, its expansion has led to many developments not just in residential technology but also financial structures that allow both Cambodian and international buyers to access much-needed loan services. This increasing availability of loans to a wider market will be key to further establishing Cambodia’s status as a viable property investment destination in Southeast Asia. Looking for property in Cambodia? Let us help! Article by: